Comparison

Cowry vs AdvantageConnect

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • 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
Features
Read full description

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

About

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.

Highlights
  • Connect with a Life Planner
  • Manage insurance policies
  • Personalized financial protection
  • Simple policy explanations
  • Convenient mobile management
Features
Read full description

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

Cowry4 screens
AdvantageConnect3 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

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.

Scorecard4 real differences · 6 level
Cowry versus AdvantageConnect: the parameters behind the verdict, then further details
ParameterCowryAdvantageConnect
PriceFreeFree
Rating3.4 (58 ratings)5.0 (3 ratings) — better
Positive reviews54.5% of reviews—
Number of ratings58 — better3
Update frequencyEvery 2 monthsEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.613.0 — better
Further details — not scored
Size98 MB86 MB
Age rating4+17+
DeveloperTouch and Pay Technologies LimitedEnterprise Life Assurance Ltd

Customer experience

Cowry

All ratings58 ratings
Positive56.9%
Neutral8.6%
Negative34.5%
Written reviews33 reviews
Positive54.5%
Neutral6.1%
Negative39.4%

AdvantageConnect

All ratings3 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

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
Show 4 more
  • 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

None

Cowry

No in-app purchases

None

AdvantageConnect

No in-app purchases

Questions

Is Cowry free?
Cowry is free to download, with no in-app purchases.
Is AdvantageConnect free?
AdvantageConnect is free to download, with no in-app purchases.
Which has better reviews, Cowry or AdvantageConnect?
AdvantageConnect is rated higher. Cowry averages 3.4 out of 5 from 58 ratings, while AdvantageConnect averages 5.0 from 3 ratings.
Do Cowry or AdvantageConnect have ads?
Neither Cowry nor AdvantageConnect shows ads.
Which is updated more often, Cowry or AdvantageConnect?
Cowry ships an update every 2 months, and AdvantageConnect every 2 weeks. Most recently, Cowry was updated on November 11, 2026 and AdvantageConnect on November 3, 2026.

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