Comparison

Equity Mobile vs Visa Pay

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

Head to head
About

Equity Mobile

Manage your finances and lifestyle needs from a single platform. This app allows you to view balances, pay bills, transfer funds, and even open accounts instantly. Securely access your financial information and perform transactions on the go.

Highlights
  • Instant account opening
  • View account balances and transactions
  • Pay bills and buy goods
  • Send money locally and internationally
  • Block lost cards
  • Borrow and manage loans
  • Biometric sign-in
Read full description

Equity mobile has revolutionised digital banking. This app gives you complete control of your financial and lifestyle needs. Simply view your balances, pay your bills, buy airtime, send money and so much more, all from one convenient platform. With Equity mobile, you will be able to: Conveniently and securely do your banking - Open a bank account in an instant - Create your profile from the comfort of your home at any time - Have a full view of your accounts, balances and transactions - Download account statements and transaction receipts - Lost your card? Block it temporarily Grow - Borrow with ease - View and pay your loan balances Transact on the go - Send money -- To your own or other Equity accounts -- To other banks, locally or internationally -- To mobile money -- To your prepaid or credit card(s) - Pay with Equity -- Pay your bills -- Buy goods -- Pay to an M-PESA till - Buy airtime - Save people and businesses to your list of favourites Quick and easy access - Sign-in with fingerprint or facial recognition - Change the app to your preferred language (we support English, French, Kinyarwanda, Swahili and 中文)

About

Visa Pay

A mobile payment solution enabling consumers and micro businesses to access digital payments. Users can create a wallet account, receive a digital card for online and offline transactions, and send money to any enrolled mobile number.

Highlights
  • Mobile payment solution
  • Digital wallet creation
  • Instant digital card
  • Online and offline transactions
  • Send money to any mobile number
  • Pay online
Features
Read full description

Visa Pay is a mobile payment solution that expands access to digital payments for consumers and micro businesses. Effortless enrollment: With Visa Pay, customers can easily and quickly create a wallet account on their mobile device, offering a convenient, hassle-free experience, without visiting a branch. Instant digital card: Users receive a digital card, which can be used in both online and offline transactions, simplifying their financial journey. Pay anyone, anywhere: Visa Pay allows users to send money to any enrolled mobile number, regardless of the network as well as pay online. Terms and Conditions Apply

Screenshots

Equity Mobile4 screens
Visa Pay4 screens

Verdict

The call

The clearest difference is review sentiment: Equity Mobile at 74% against Visa Pay's 12%. Equity Mobile also leads on rating (4.8 vs 2.4) and ads (none vs shown). On price, update cadence, 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

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

Equity Mobile holds the better App Store score, 4.8 against 2.4. That said, the two scores are not equally well evidenced: Equity Mobile has 6.2K ratings behind it against 117, so its average is the more settled of the two. Written reviews point the same way: 74% of Equity Mobile's written reviews are positive against 12% of Visa Pay's.

UpkeepUpdate frequency

Equity Mobile ships an update fortnightly, Visa Pay monthly. The most recent releases landed on September 28, 2026 and September 20, 2026 respectively.

Scorecard6 real differences · 4 level
Equity Mobile versus Visa Pay: the parameters behind the verdict, then further details
ParameterEquity MobileVisa Pay
PriceFreeFree
Rating4.8 (6.2K ratings) — better2.4 (117 ratings)
Positive reviews74.2% of reviews — better11.9% of reviews
Number of ratings6.2K — better117
Update frequencyFortnightly — betterMonthly
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPod — betteriPhone
Requires iOS13.0 — better16.0
Further details — not scored
Size203 MB178 MB
Age rating4+4+
DeveloperEquity Group HoldingVisa

Customer experience

Equity Mobile

All ratings6,217 ratings
Positive95.1%
Neutral2.1%
Negative2.9%
Written reviews124 reviews
Positive74.2%
Neutral7.3%
Negative18.5%

Visa Pay

All ratings117 ratings
Positive31.6%
Neutral5.1%
Negative63.2%
Written reviews42 reviews
Positive11.9%
Neutral2.4%
Negative85.7%

Bugs and requests

Equity Mobile

Reported bugs

5 issues
  • Unable to log in after app updates
  • Verification options not working
  • Buy goods and Paybill services not functioning
  • Transactions not reflecting in account
  • App crashes on launch

Requested features

5 requests
  • Download and view transaction receipts
  • Access account statements for specific dates
  • Integrate with mobile money services
  • Add virtual card feature
  • Improve multi-factor authentication

Visa Pay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Equity Mobile

No in-app purchases

None

Visa Pay

No in-app purchases

Questions

Is Equity Mobile free?
Equity Mobile is free to download, with no in-app purchases.
Is Visa Pay free?
Visa Pay is free to download, with no in-app purchases.
Which has better reviews, Equity Mobile or Visa Pay?
Equity Mobile is rated higher. Equity Mobile averages 4.8 out of 5 from 6.2K ratings, while Visa Pay averages 2.4 from 117 ratings.
Do Equity Mobile or Visa Pay have ads?
Visa Pay shows ads; Equity Mobile does not.
Which is updated more often, Equity Mobile or Visa Pay?
Equity Mobile ships an update fortnightly, and Visa Pay monthly. Most recently, Equity Mobile was updated on September 28, 2026 and Visa Pay on September 20, 2026.

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