Comparison

Cowry vs Pebblescore

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

Head to head
About

Cowry

Manage your micro-transaction payments easily. Top up credit via bank transfers or cash, track your payment history, and view your balance. Transfer credit to friends and family, and receive low balance notifications.

Highlights
  • Top up credit via bank transfers or cash
  • Check payment history
  • View pay as you go balance
  • Transfer credit to friends and family
  • Airtime recharge
  • Low balance notifications
  • Scan bus QR codes
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

Pebblescore

This app helps users improve their credit history and gain access to better loan opportunities. It provides personalized recommendations and tools to check credit scores and reports from major bureaus, empowering users to achieve financial goals.

Highlights
  • Credit score checking
  • Comprehensive credit reports
  • Personalized improvement recommendations
  • Access to low-interest loans
  • Financial goal achievement tools
Features
Read full description

PebbleScore helps you repair your credit history and access low-interest loans. If you've been rejected for loans or unable to get loans at all, then PebbleScore is your ticket to financial freedom. With PebbleScore, you can easily check your comprehensive credit score and credit reports across all three credit bureaus, and get personalized recommendations to improve your credit. By taking action to improve your credit score, you'll be able to access good loans at low interest rates, and unlock a world of possibilities for your personal and business goals. Whether you're looking to start a business, buy a home or car, or pay for education, PebbleScore can help you achieve your goals. By providing you with the tools and resources you need to repair your credit, PebbleScore empowers you to take control of your financial future and live the life you've always dreamed of. Say goodbye to the frustration of being rejected for loans, and hello to a brighter, more secure future with PebbleScore. Download the app today and take the first step towards repairing your credit and accessing the loans you deserve.

Screenshots

Cowry4 screens
Pebblescore4 screens

Verdict

The call

The clearest difference is rating: Pebblescore at 4.4 against Cowry's 3.4. Pebblescore also leads on update cadence (weekly vs every 2 months) and review sentiment (67% vs 55%). On price, ratings volume, ads and in-app purchases 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

Pebblescore holds the better App Store score, 4.4 against 3.4. Both are backed by a comparable volume of ratings — 58 and 143 respectively. Written reviews point the same way: 55% of Cowry's written reviews are positive against 67% of Pebblescore's.

UpkeepUpdate frequency

Cowry ships an update every 2 months, Pebblescore weekly. Both last shipped on November 3, 2026.

Scorecard3 real differences · 7 level
Cowry versus Pebblescore: the parameters behind the verdict, then further details
ParameterCowryPebblescore
PriceFreeFree
Rating3.4 (58 ratings)4.4 (143 ratings) — better
Positive reviews54.5% of reviews66.7% of reviews — better
Number of ratings58143 — better
Update frequencyEvery 2 monthsWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.615.0 — better
Further details — not scored
Size88 MB55 MB
Age rating4+17+
DeveloperTouch and Pay Technologies LimitedPebblescore Data Services Limited

Customer experience

Cowry

All ratings57 ratings
Positive57.9%
Neutral8.8%
Negative33.3%
Written reviews33 reviews
Positive54.5%
Neutral6.1%
Negative39.4%

Pebblescore

All ratings143 ratings
Positive82.5%
Neutral7.7%
Negative9.8%
Written reviews9 reviews
Positive66.7%
Neutral0.0%
Negative33.3%

In-app purchases

None

Cowry

No in-app purchases

None

Pebblescore

No in-app purchases

Questions

Is Cowry free?
Cowry is free to download, with no in-app purchases.
Is Pebblescore free?
Pebblescore is free to download, with no in-app purchases.
Which has better reviews, Cowry or Pebblescore?
Pebblescore is rated higher. Cowry averages 3.4 out of 5 from 58 ratings, while Pebblescore averages 4.4 from 143 ratings.
Do Cowry or Pebblescore have ads?
Neither Cowry nor Pebblescore shows ads.
Which is updated more often, Cowry or Pebblescore?
Cowry ships an update every 2 months, and Pebblescore weekly. Most recently, Cowry was updated on November 3, 2026 and Pebblescore on November 3, 2026.

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