Comparison

YMO vs Wely Pay

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

Head to head
About

YMO

Send money to Africa, especially Guinea, with a secure and economical service. Enjoy fast transfers, convenient mobile sending, and instant withdrawals at numerous locations. Track your transactions and benefit from a referral program.

Highlights
  • Economical money transfers
  • Convenient mobile sending
  • Instant withdrawals
  • Wide network of pickup points
  • Secure encryption technology
  • Transaction history
  • Referral program
Features
Read full description

Téléchargez l'application YMO et rejoignez plus 500 000 utilisateurs européens qui nous font déjà confiance pour assurer la sécurité de leurs envois d'argent vers l'Afrique, et plus particulièrement la Guinée. Économique : Chez YMO, profitez d'un excellent taux pour votre envoi d'argent depuis l'Europe vers l'Afrique. C’est donc plus d’argent reçu pour votre bénéficiaire ! Pratique : Prenez soin de vos proches en envoyant de l'argent où et quand vous voulez, simplement avec votre téléphone et votre carte bancaire. Avec YMO, plus besoin de vous déplacer ! Rapide : Grâce à l'application, votre bénéficiaire reçoit l'argent instantanément et peut retirer immédiatement dans n'importe quel point de vente YMO près de chez lui. Dépôt et retrait : Notre large réseau de points de vente couvre l’ensemble du territoire dans les pays où YMO est disponible. Cela permet à vos bénéficiaires de pouvoir retirer quand ils veulent, proche de chez eux ! Envoyez de l'argent maintenant : Pour faire un transfert rapide avec YMO, rien du plus simple ! Téléchargez l'application, inscrivez-vous en quelques clics et payez la somme que vous souhaitez envoyer à vos proches. Ils recevront l'argent instantanément et pourront le retirer immédiatement. Transparence : Envoyez de l'argent avec YMO est simple, rapide et sécurisé grâce à notre technologie de cryptage française conforme aux normes européennes les plus exigeantes. Grâce à notre application, vous pouvez accéder à votre liste d'envois quand vous voulez. Parrainez un ami et gagnez de l'argent : Recommandez l'application YMO à vos proches et vous serez rémunéré dès leur premier envoi. Besoin d'aide ? Notre équipe de support est disponible par téléphone (+33 1 76 43 35 15) et par message WhatsApp (+33 6 44 60 28 94). Vous pouvez également nous contacter directement depuis l'application ou nous envoyer un mail à support@ymoney.com Rejoignez les 500 000 utilisateurs européens qui font déjà confiance à YMO pour tous leurs envois d'argent rapides vers l'Afrique et envoyez de l'argent à vos proches dès aujourd'hui !

About

Wely Pay

Send money to Africa quickly and securely with this intuitive platform. Designed for financial inclusion, it makes international transfers simple and affordable for individuals, agents, and businesses. Connect with loved ones and manage your finances effortlessly.

Highlights
  • Instant money transfers
  • Secure and reliable transactions
  • Promotes financial inclusion
  • Simple and intuitive interface
  • Available globally
Features
Read full description

WelyPay – Send Money to Africa WelyPay is a fast, secure, and intuitive money transfer platform designed to connect the African diaspora with their loved ones at home. Whether you're sending money to Guinea or making international transfers, WelyPay makes financial transactions simple, affordable, and accessible — for everyone. Why WelyPay? We believe that financial services should be available to all, regardless of income level or location. WelyPay is committed to promoting financial inclusion by offering an easy-to-use platform that empowers individuals, agents, and businesses to manage money effortlessly. Key Features: • Send Money Instantly — Transfer funds to family and friends in Guinea and beyond in just a few taps. • Secure & Reliable — Your data and funds are protected with industry-standard encryption and strict privacy practices. • Financial Inclusion — Designed specifically to serve low-income and underbanked populations in the Guinean and international markets. • Simple & Intuitive — A clean, user-friendly interface that makes financial operations effortless for users of all backgrounds. • Available Anywhere — Manage your transactions on the go, wherever you are in the world. Our Mission At WelyPay, we are democratizing access to financial services across Africa. We are building bridges between communities, helping families stay connected through fast and affordable money transfers. Download WelyPay today and join a growing community making finance more accessible across Africa.

Screenshots

YMO4 screens
Wely Pay4 screens

Verdict

The call

The clearest difference is rating: YMO at 4.8 against Wely Pay's 3.5. YMO also leads on ratings volume (9 vs 2). Wely Pay's advantage is monetization model (free vs free with in-app purchases). On price, update cadence, ads and in-app purchases 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

YMO holds the better App Store score, 4.8 against 3.5. Both are backed by a comparable volume of ratings — 9 and 2 respectively.

UpkeepUpdate frequency

YMO ships an update every 2 weeks, Wely Pay every 3 weeks. The most recent releases landed on November 7, 2026 and October 31, 2026 respectively.

Scorecard3 real differences · 7 level
YMO versus Wely Pay: the parameters behind the verdict, then further details
ParameterYMOWely Pay
PriceFreeFree
Rating4.8 (9 ratings) — better3.5 (2 ratings)
Positive reviews56.7% of reviews—
Number of ratings9 — better2
Update frequencyEvery 2 weeks — betterEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.515.1 — better
Further details — not scored
Size124 MB53 MB
Age rating4+17+
DeveloperYMoneyWelyWely

Customer experience

YMO

All ratings9 ratings
Positive88.9%
Neutral11.1%
Negative0.0%
Written reviews30 reviews
Positive56.7%
Neutral3.3%
Negative40.0%

Wely Pay

All ratings2 ratings
Positive50.0%
Neutral0.0%
Negative50.0%

In-app purchases

None

YMO

No in-app purchases

None

Wely Pay

No in-app purchases

Questions

Is YMO free?
YMO is free to download, with no in-app purchases.
Is Wely Pay free?
Wely Pay is free to download, with no in-app purchases.
Which has better reviews, YMO or Wely Pay?
YMO is rated higher. YMO averages 4.8 out of 5 from 9 ratings, while Wely Pay averages 3.5 from 2 ratings.
Do YMO or Wely Pay have ads?
Neither YMO nor Wely Pay shows ads.
Which is updated more often, YMO or Wely Pay?
YMO ships an update every 2 weeks, and Wely Pay every 3 weeks. Most recently, YMO was updated on November 7, 2026 and Wely Pay on October 31, 2026.

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