Comparison

Cowry vs Cleva App

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

Cleva App

Manage your finances globally with this app. Send and receive money internationally, convert currencies at competitive rates, and spend with a virtual USD card. Earn rewards and refer friends for extra benefits.

Highlights
  • International money transfers
  • Receive USD and stablecoin payments
  • Free currency conversion
  • Virtual USD card for global spending
  • Earn and redeem Cleva Points
  • Referral program for earning rewards
Features
Read full description

On Cleva, your money has no boundaries. Here’s why over 1M people trust Cleva: 1. Swift onboarding 2. Competitive exchange rates 3. Transparent pricing, no hidden or monthly fees 4. Fast, reliable, and secure experience Send money across borders Instantly transfer to family and friends in Nigeria, Ghana, Uganda, and other African countries. Just add a destination bank or mobile money account, verify the account details, initiate your transfer, and watch the money get delivered immediately. Receive USD payments Whether you’re a freelancer, remote worker, content creator, or entrepreneur, receive ACH and Wires from your employer and clients without hassle. Receive stablecoins with ease Receive USDT or USDC into your Cleva wallet in minutes, giving you more ways to fund and grow your money. Transfer to friends on Cleva Instantly transfer to your friends on Cleva for FREE. Convert at the best rates Instantly convert currencies at very competitive exchange rates. Even better, there are no fees to convert, it’s completely FREE. Spend globally with a virtual USD card Pay for international subscriptions, shop online, or make global payments easily with your Cleva USD card. Protect your money from volatility Save and hold your funds in USD. Exchange only when you want to, at the best rates. Earn and redeem Cleva Points Get rewarded every time you transact! Earn points when you transfer or receive a deposit, then redeem your points for USD and more. Refer and earn Invite your friends and earn when they transact on Cleva. The more friends you refer, the more you earn, and you can keep earning infinitely. 24/7 Support Cleva is always available to assist 24/7 whenever you need assistance. You can reach us via in-app chat or email at contact@getcleva.com. You can also reach us on our social media channels: Twitter: @clevabanking Instagram: @clevabanking Linkedin: @cleva-banking [:mav: 2.4.5]

Screenshots

Cowry4 screens
Cleva App4 screens

Verdict

The call

The clearest difference is rating: Cleva App at 4.7 against Cowry's 3.4. Cleva App also leads on update cadence (every 10 days vs every 2 months) and ratings volume (1.6K vs 58). On price, review sentiment, 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

Cleva App holds the better App Store score, 4.7 against 3.4. That said, the two scores are not equally well evidenced: Cleva App has 1.6K ratings behind it against 58, so its average is the more settled of the two. Written reviews point the same way: 55% of Cowry's written reviews are positive against 59% of Cleva App's.

UpkeepUpdate frequency

Cowry ships an update every 2 months, Cleva App every 10 days. The most recent releases landed on November 11, 2026 and November 12, 2026 respectively.

Scorecard3 real differences · 7 level
Cowry versus Cleva App: the parameters behind the verdict, then further details
ParameterCowryCleva App
PriceFreeFree
Rating3.4 (58 ratings)4.7 (1.6K ratings) — better
Positive reviews54.5% of reviews59.2% of reviews — better
Number of ratings581.6K — better
Update frequencyEvery 2 monthsEvery 10 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.615 — better
Further details — not scored
Size98 MB221 MB
Age rating4+4+
DeveloperTouch and Pay Technologies LimitedCleva Technologies, Inc.

Customer experience

Cowry

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

Cleva App

All ratings1,555 ratings
Positive91.3%
Neutral3.2%
Negative5.5%
Written reviews98 reviews
Positive59.2%
Neutral6.1%
Negative34.7%

User reviews

Cowry

From 58 App Store ratings

What we love

  • 👍 Makes journey easy
  • 👍 Seamless payment for transportation
  • 👍 Stress-free travel
  • 👍 Efficient payments
  • 👍 Never be stranded

Room to improve

  • 🐛 Registration page is a mess
  • 🐛 Cannot signup
  • 🐛 Too slow for card records
  • 🐛 Balance not updated instantly
  • 🐛 Scammed due to balance delay

Cleva App

From 1.6K App Store ratings

What we love

  • 🚀 Fast and easy to use
  • 👍 User-friendly interface
  • 💰 Reliable for international payments
  • 🤝 Good customer service

Room to improve

  • 🐛 Payment issues and delays
  • 🔄 Frequent app updates causing frustration
  • 🔒 Concerns about security and account access

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

Cleva App

Reported bugs

3 issues
  • Rejected transactions with new bank partner
  • Delayed or missing fund transfers
  • Inability to access old account numbers

Requested features

4 requests
  • Reinstate Wells Fargo bank integration
  • Add support for international wire transfers
  • Introduce push notifications for account credits
  • Enable withdrawal from virtual cards

In-app purchases

None

Cowry

No in-app purchases

None

Cleva App

No in-app purchases

Questions

Is Cowry free?
Cowry is free to download, with no in-app purchases.
Is Cleva App free?
Cleva App is free to download, with no in-app purchases.
Which has better reviews, Cowry or Cleva App?
Cleva App is rated higher. Cowry averages 3.4 out of 5 from 58 ratings, while Cleva App averages 4.7 from 1.6K ratings.
Do Cowry or Cleva App have ads?
Neither Cowry nor Cleva App shows ads.
Which is updated more often, Cowry or Cleva App?
Cowry ships an update every 2 months, and Cleva App every 10 days. Most recently, Cowry was updated on November 11, 2026 and Cleva App on November 12, 2026.

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