Tmoni vs KlikSave
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Tmoni
This app promotes financial inclusion by offering unique services for rural and semi-urban dwellers. It empowers agents to earn commissions and incentives by facilitating transactions like fund transfers, bill payments, and cooperative services. Customers can save and access loans with potential dividends.
- Funds transfer and withdrawals
- Airtime and data purchase
- Cable TV and electricity bill payments
- Cooperative savings and loans
- Agent commissions and incentives
- Customer registration for cooperative membership
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TMoni is the official utility of the Thrivemoni cooperative agency platform aimed at propagating prosperity by promoting financial inclusion and providing unique financial services tailored for rural, semi urban dwellers and people at large. Why sign up as a TMoni agent? TMoni empowers agents to thrive and earn commissions while carrying out transactions on our behalf as a business vendor. Agents also earn performance-based incentives tailored to diligence in service. What transactions can be carried out on Tmoni? Funds transfer and withdrawals, Airtime purchase, Data subscription, Cable TV payments, Electricity bill payments, Cooperative services (Savings and Loans). How does TMoni cooperative work? Authenticated agents can register customers into cooperative membership and ensures collection of their savings dues for subscribed periods. Customers may earn dividends on the full tenure of their savings and can also request and access loans at no added-interest.
KlikSave
This digital platform enables individuals and small businesses to save flexibly on the go, earning attractive interest. Save 50% towards an asset and become eligible for financing, turning savings into tangible growth.
- Flexible on-the-go savings
- Earn attractive interest rates
- Save any amount daily, weekly, or monthly
- Eligibility for asset financing
- Intuitive digital platform
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KlikSave, a fintech innovation from 4Stone Capital, empowers individuals and SMEs to build their financial future with flexible, on-the-go savings. Our intuitive digital platform allows you to save any amount, daily, weekly, or monthly, all while earning attractive interest rates. Beyond simple savings, KlikSave unlocks potential: customers who save 50% towards their desired asset become eligible for 4Stone Capital financing, turning your savings into tangible growth. Experience seamless savings and unlock asset financing opportunities with KlikSave, where your financial goals are always within reach. [:mav: 2.2.7]
Screenshots
Verdict
The clearest difference is update cadence: KlikSave at every 10 days against Tmoni's every 3 weeks. On price, rating, ratings volume and ads 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.
On the App Store both sit at effectively the same score — 5.0 for Tmoni against 5.0 for KlikSave. Both are backed by a comparable volume of ratings — 1 and 2 respectively.
Tmoni ships an update every 3 weeks, KlikSave every 10 days. The most recent releases landed on October 13, 2026 and October 22, 2026 respectively.
| Parameter | Tmoni | KlikSave |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) | 5.0 (2 ratings) |
| Positive reviews | — | 100.0% of reviews |
| Number of ratings | 1 | 2 — better |
| Update frequency | Every 3 weeks | Every 10 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 14.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 5 MB | 29 MB |
| Age rating | 4+ | 17+ |
| Developer | Tmoni Technologies | 4Stone Capital Limited |
Customer experience
Tmoni
KlikSave
In-app purchases
Tmoni
No in-app purchases
KlikSave
No in-app purchases









