Comparison

mkesh vs Moza Banco

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

Head to head
About

mkesh

This mobile financial service allows users to store and move money easily and securely, even without a traditional bank account. Send money to friends and family, pay for goods and services, and buy mobile top-ups with advantages and bonuses.

Highlights
  • Electronic money service
  • Send money to family and friends
  • Pay for goods and services
  • Buy mobile top-ups
  • No minimum balance
  • No maintenance fees
Read full description

A Carteira Móvel, SA é uma instituição de moeda electrónica, detida pela Tmcel e IGEPE, que traz até si o mkesh, o primeiro serviço financeiro de moeda electrónica aprovado em Moçambique e disponível no celular 24/24h, em todo País na rede Tmcel. Ao aderir gratuitamente ao mkesh, o seu número do celular (82 ou 83) passa a ser o seu número de conta mkesh, sem saldos mínimos obrigatórios nem despesas de manutenção. O serviço mkesh tem como objectivo permitir, de forma fácil e segura, o acesso à toda população de serviços financeiros básicos tais como guardar e movimentar dinheiro, mesmo sem possuir uma conta bancaria tradicional. Através do mkesh, poderá enviar dinheiro para os seus familiares e amigos, bem como fazer pagamento de bens e serviços e ainda comprar recargas Tmcel, com grandes vantagens e bónus. Este serviço, dinamiza as trocas comerciais nos meios sub-urbanos e rurais, contribuindo activamente para o desenvolvimento do País.

About

Moza Banco

Features
Read full description

Moza Banco Mobile App – Your New Digital Banking Experience Your bank, anytime and anywhere. Moza Banco Mobile App puts your bank right in the palm of your hand — fast, secure, and easy to use. Built for the next generation of digital banking, it offers a seamless, intuitive experience to make your daily banking smarter and simpler. Enhanced Security at Every Step Bank with total peace of mind. Your security is our top priority, with advanced protection built into every transaction: Log in with biometric recognition (facial or fingerprint). Authorize transfers securely with OTP (One-Time Password) sent by SMS. Reset or change your password online — no need to visit a branch. Enjoy automatic logout after 10 minutes of inactivity. All your data is encrypted, and you receive real-time alerts. Remember: Your credentials, PINs, and OTP codes are personal and confidential. Never share them — and always use official Moza Banco channels. Transfers and Payments in Seconds Move your money anytime, anywhere — no queues, no delays. Enjoy fast, secure transactions with just a few taps: Transfer to Moza Banco or other banks. Send money to one-time or saved beneficiaries. Schedule future transactions. Pay for services such as water, INSS, JUE, and more. Buy mobile top-ups instantly. Make payments using entity and reference. Send multiple wallet transfers at once with a single authentication. Cards with Greater Control and Security Your cards are always within reach. Easily manage your debit, prepaid, and credit cards wherever you are: View all your cards in one place, physical or digital. Pay your credit card in full, partially, or the minimum amount. Instantly block or cancel your card if it’s lost. Check expiry dates and recent transactions with ease. Integrated Mobile Wallets Connect seamlessly to the country’s top mobile wallets: Send money directly to M-Pesa, M-Kesh, and E-Mola, quickly and securely. The beneficiary’s name appears automatically when you enter their number. Make multiple transfers at once — the app does the rest with one authentication. Support Whenever You Need It We’re here for you anytime, anywhere. For assistance, contact Customer Service (95247 / 21342020) or visit your nearest Moza Banco branch. The Moza Banco Mobile App reflects our commitment to innovation, convenience, and you. Mobile App – simpler, more modern, and intuitive. We make it happen!

Screenshots

mkesh4 screens
Moza Banco3 screens

Verdict

The call

mkesh and Moza Banco are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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.

UpkeepUpdate frequency

mkesh ships an update every 2 months, Moza Banco every 5 weeks. The most recent releases landed on September 30, 2026 and October 11, 2026 respectively.

ScorecardNo meaningful differences
mkesh versus Moza Banco: the parameters behind the verdict, then further details
ParametermkeshMoza Banco
PriceFreeFree
Rating3.0 (4 ratings) — better—
Positive reviews50.0% of reviews—
Number of ratings4 — better—
Update frequencyEvery 2 monthsEvery 5 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS12.0 — better13.0
Further details — not scored
Size41 MB6 MB
Age rating4+4+
DeveloperMocambique Telecom SAMoza Banco

In-app purchases

None

mkesh

No in-app purchases

None

Moza Banco

No in-app purchases

Questions

Is mkesh free?
mkesh is free to download, with no in-app purchases.
Is Moza Banco free?
Moza Banco is free to download, with no in-app purchases.
Do mkesh or Moza Banco have ads?
Neither mkesh nor Moza Banco shows ads.
Which is updated more often, mkesh or Moza Banco?
mkesh ships an update every 2 months, and Moza Banco every 5 weeks. Most recently, mkesh was updated on September 30, 2026 and Moza Banco on October 11, 2026.

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