Cowry vs AdvantageConnect
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Cowry
This app allows users to purchase public transport tickets and manage their travel funds. It offers features like topping up credit, checking balances and routes, and transferring funds to others. Users can also recharge airtime and receive low balance notifications.
- Buy bus and rail tickets
- Top up pay-as-you-go credit
- Check payment history
- View bus routes
- Transfer credit to friends/family
- Airtime recharge
- Low balance notifications
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What's new about this Cowry Payments App Your phone is now your ticket. Browse bus and rail routes, buy tickets instantly, and scan your QR code to tap in and out, no card or cash needed. What’s great about The Cowry Payments app? • Top up pay as you go credit through bank transfers, or cash • Check payment history • Check all the bus routes • Check your pay as you go balance • Transfer credit among your friends and family • Airtime Recharge • Allow notifications when your pay as you go balance falls below a certain amount Keeping on top of your spend is easy; see the date, time and cost of your journeys as far back as possible. The Transport for Lagos Cowry and contactless app will request access to your camera. This is so that you can scan your bus QR code. We will never store the scanned pictures. Please provide any feedback using this link https://touchandpay.me/contact
AdvantageConnect
Connect with a Life Planner to manage your finances and secure your future. Easily find and manage insurance policies with clear explanations and personalized financial protection.
- Connect with a Life Planner
- Manage insurance policies
- Personalized financial protection
- Simple policy explanations
- Convenient mobile management
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Introducing AdvantageConnect : Your Financial Security companion! AdvantageConnect easily connects you to a Life Planner who can help you in many ways to plan and manage your future with personalized financial protection against some of life’s inevitable events as well as its uncertainties. Key Features: • Effortless Connection: Get a direct link to a Life Planner to help you define your needs, choose the right insurance policy and obtain the cover you need to secure yourself or your loved ones. • Effective Policy Management: With AdvantageConnect, you have full oversight of your policies. You can conveniently manage your policies using our easy-to-use interface. • Different Insurance Experience: Our policies are explained in simple language. It takes very few easy steps to complete what you have to do to obtain cover. You can do everything conveniently from your handset with ease and speed at any time. • Enjoy Personal Advantage: Embrace AdvantageConnect as your own insurance advantage because it gives you easy access to financial security like no other insurance platform does.
Screenshots
Verdict
The clearest difference is rating: AdvantageConnect at 5.0 against Cowry's 3.4. AdvantageConnect also leads on update cadence (every 2 weeks vs every 2 months) and iOS requirement (13.0 vs 15.6). Cowry's advantage is ratings volume (58 vs 3). On price, ads, in-app purchases and monetization model there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
AdvantageConnect holds the better App Store score, 5.0 against 3.4. That said, the two scores are not equally well evidenced: Cowry has 58 ratings behind it against 3, so its average is the more settled of the two.
Cowry ships an update every 2 months, AdvantageConnect every 2 weeks. The most recent releases landed on November 11, 2026 and November 3, 2026 respectively.
| Parameter | Cowry | AdvantageConnect |
|---|---|---|
| Price | Free | Free |
| Rating | 3.4 (58 ratings) | 5.0 (3 ratings) — better |
| Positive reviews | 54.5% of reviews | — |
| Number of ratings | 58 — better | 3 |
| Update frequency | Every 2 months | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.6 | 13.0 — better |
| Further details — not scored | ||
| Size | 98 MB | 86 MB |
| Age rating | 4+ | 17+ |
| Developer | Touch and Pay Technologies Limited | Enterprise Life Assurance Ltd |
Customer experience
Cowry
AdvantageConnect
Bugs and requests
Cowry
Reported bugs
9 issues- Keypad doesn’t retract on registration
- Registration page not functional
- Balance not updating immediately
- Card records tracking is slow
- KYC update not possible
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- Unable to create account
- Update wiped user data
- Cannot move money from wallet to card
- App can be hacked easily
Requested features
4 requests- Fix keypad that doesn’t retract
- Allow transfer from wallet to card
- Allow transfer to other banks
- More explanation on QR code payment
AdvantageConnect
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Cowry
No in-app purchases
AdvantageConnect
No in-app purchases









