IRL MFB Mobile vs Monibac
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
IRL MFB Mobile
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IRL MFB Mobile brings the bank into your hands. The app has the following features: - Account balance - Account statement - Airtime Recharge - Bills Payment e.g. DSTv, GoTv, PHCN - Inter-bank Transfer - Card Request The app also provides the functionality to get your feedback to the bank.
Monibac
Access collateral-free loans and earn interest on savings. This app allows users to save, withdraw, and get loans up to 150% of their savings after three months. Enjoy transparent loan terms and repayment reminders.
- Collateral-free loans
- Earn interest on savings
- Loans up to 150% of savings
- Transparent loan terms
- Monthly repayment reminders
- Lock savings for interest
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Monibac is an app where you can save and earn interest on your savings, and easily top up and withdraw to your account. Why Monibac? There are no charges on deposits. You earn interest when you lock your savings. You can easily top up and withdraw to your account. How it works Install the Monibac App from the App Store Register your account Start saving Lock your savings for a specified period of time to earn interest. For example, if you save for 3 months, you get 3% of your savings; for 6 months, you get 5%. Eligibility Above 18 years Lives in Nigeria Contact Us Customer service Email: admin@monibac.com Customer service Hotline: 07060953139 Address: Block A211, Sura Shopping Complex, Lagos Island, Lagos State.
Screenshots
Verdict
The clearest difference is update cadence: Monibac at every 3 months against IRL MFB Mobile's every 40 months. IRL MFB Mobile's advantage is iOS requirement (13.4 vs 15.5). On price, ads, in-app purchases and device support 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
IRL MFB Mobile ships an update every 40 months, Monibac every 3 months. The most recent releases landed on October 20, 2026 and October 22, 2026 respectively.
| Parameter | IRL MFB Mobile | Monibac |
|---|---|---|
| Price | Free | Free |
| Rating | — | 2.8 (87 ratings) — better |
| Positive reviews | — | 17.9% of reviews |
| Number of ratings | — | 87 — better |
| Update frequency | Every 40 months | Every 3 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Free with in-app purchases |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 13.4 — better | 15.5 |
| Further details — not scored | ||
| Size | 26 MB | 68 MB |
| Age rating | 17+ | 17+ |
| Developer | IRL MICROFINANCE BANK LTD | Prime Zone Limited |
In-app purchases
IRL MFB Mobile
No in-app purchases
Monibac
No in-app purchases
