Comparison

Cowry vs FirstCentral Mobile

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

FirstCentral Mobile

Access your credit score and detailed credit reports directly on your iOS device. Monitor your financial health with comprehensive reports and alerts, available 24/7 for informed decision-making.

Highlights
  • Check credit scores
  • Obtain credit reports
  • 24/7 access
  • Email delivery of reports
  • F-Alert PLUS notifications
  • Dishonoured Cheque Report
Read full description

FirstCentral Mobile is the dedicated iOS application from FirstCentral Credit Bureau Limited, designed to offer users seamless access to their credit information. With this app, users can effortlessly check their credit scores and obtain various types of credit reports, all delivered directly to their email. This service is available round the clock, ensuring that users can manage their credit from the comfort of their homes, any time of the day or night. FCB Nico credit score is a 3-digit statistical number that evaluates a consumer`s creditworthiness and is based on the individual`s credit history behavior. Financial Institutions use credit scores to evaluate the probability that an individual will repay his or her loan(s). The XScore Detailed Report goes beyond traditional credit reports by offering a comprehensive analysis with the added benefit of credit scoring. This powerful tool provides lenders with valuable insights into a borrower's financial health, enabling faster and more informed decisions. Leveraging advanced analytics, XScore aggregates data from credit-active individuals to generate a reliable credit score. The Consumer Detailed Report is a comprehensive document detailing an individual's credit activities across various sectors of the economy.It provides a chronological record of the person's history with all sorts of loan and services. The Commercial Detailed Report is a comprehensive document detailing a company's credit activities across various sectors of the economy.It provides a chronological record of the company's history with all sorts of loans and service . Consumer Basic Report accurately assesses both customers’ affordability and suitability which are essential requirements for all lenders.It is a brief summary of the customer, highlighting demographic information, credit account summary and credit rating. Commercial basic Enquiry Report: It Provides you with your business demographic details and summary of the facility performance. This helps you monitor your company overall credit exposures The snapcheck report allows you to build the level of identity verification you need, speed up customer enrolment whilst pinpointing fraud more accurately . Dishonoured Cheque Report (FirstCentral DCR) contains a comprehensive listing of the historical instances of Dud Cheques issued by both individuals and businesses.Our service plays a pivotal role in assisting clients by providing a thorough understan ing of the historical and current dynamics of cheque issuance of the subject. It offers valuable insights into discernible patterns associated with potential customer behaviour in the context of cheque transactions . F-Alert PLUS helps individual customers monitor their credit scoring and reporting updates. This service is delivered as email notification and SMS alert with details of individuals' existing loan information and details of searches/inquires made by other users on the customers . The FCB Pre-Credit Check service is designed to foster meaningful connections between lenders and borrowers, streamlining the lending process for enhanced efficiency. This service offers a comprehensive display of customer scores, eligible loan amounts, and corresponding interest rates.

Screenshots

Cowry4 screens
FirstCentral Mobile4 screens

Verdict

The call

The clearest difference is review sentiment: Cowry at 55% against FirstCentral Mobile's 0%. Cowry also leads on rating (3.4 vs 2.3) and 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

Cowry holds the better App Store score, 3.4 against 2.3. 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. Written reviews point the same way: 55% of Cowry's written reviews are positive against 0% of FirstCentral Mobile's.

UpkeepUpdate frequency

Cowry ships an update every 2 months, FirstCentral Mobile every 6 months. The most recent releases landed on October 24, 2026 and October 20, 2026 respectively.

Scorecard4 real differences · 6 level
Cowry versus FirstCentral Mobile: the parameters behind the verdict, then further details
ParameterCowryFirstCentral Mobile
PriceFreeFree
Rating3.4 (58 ratings) — better2.3 (3 ratings)
Positive reviews54.5% of reviews — better0.0% of reviews
Number of ratings58 — better3
Update frequencyEvery 2 months — betterEvery 6 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.614.0 — better
Further details — not scored
Size88 MB185 MB
Age rating4+17+
DeveloperTouch and Pay Technologies LimitedFirstCentral Credit Bureau

Customer experience

Cowry

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

FirstCentral Mobile

All ratings3 ratings
Positive33.3%
Neutral0.0%
Negative66.7%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

Cowry

No in-app purchases

None

FirstCentral Mobile

No in-app purchases

Questions

Is Cowry free?
Cowry is free to download, with no in-app purchases.
Is FirstCentral Mobile free?
FirstCentral Mobile is free to download, with no in-app purchases.
Which has better reviews, Cowry or FirstCentral Mobile?
Cowry is rated higher. Cowry averages 3.4 out of 5 from 58 ratings, while FirstCentral Mobile averages 2.3 from 3 ratings.
Do Cowry or FirstCentral Mobile have ads?
Neither Cowry nor FirstCentral Mobile shows ads.
Which is updated more often, Cowry or FirstCentral Mobile?
Cowry ships an update every 2 months, and FirstCentral Mobile every 6 months. Most recently, Cowry was updated on October 24, 2026 and FirstCentral Mobile on October 20, 2026.

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