Apollo Digital vs Milkii
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Apollo Digital
Manage all your banking needs with this mobile application. Open an account digitally, transfer funds, pay bills, and access ATM cash disbursement. Enjoy secure transactions with advanced security features and reliable customer support.
- Digital account opening
- Zero fees on digital transactions
- Effortless money transfers
- ATM cash disbursement
- Bill payments
- Scheduled transfers
- Biometric security
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Apollo Mobile App helps you stay in touch with all your banking needs on the go.Want to be in full control of your money with just one app? Meet Apollo App, powered by Bank of Abyssinia, which enables users to open an account from the comfort of their homes. SELF ONBOARDINGApollo comes with a fully digital onboarding process where you can simply take a selfie, upload necessary documents and instantly create a bank account. GET STARTED FASTQuickly access you account thru Apollo app by opening your bank account in 10 minutes - right from your phone. NO FEES ON DIGITAL TRANSACTIONSEnjoy Zero ATM fees, no minimum account balance, and no fund transfer charges from the app TRANSFER EFFORTLESSLYInstantly receive bank transfers in Ethiopia via Apollo App using your phone number. You can also transfer money easily to Apollo accounts, other bank accounts, Telebirr account ATM CASH DISBURSEMENTYou can easily send money to ATM and collect the money directly form any of Bank of Abyssinia ATMs BILL PAYMENTApollo has made paying bills much easier by allowing you to pay your Ethio Telecom, DSTV, US Visa, School Fee, WebSprix, CANAL+, Webirr, and Ethiopian Airlines bills SECURITY Apollo is equipped with state-of-the-art security features that incorporate biometrics, face recognition, and two-factor authentication of an OTP (One-Time-Password) to ensure your deposits are safe and easily accessible SCHEDULED TRANSFERSchedule your recurring payment that occur every week, month or any time interval using Apollo RELIABLE CUSTOMER SUPPORT Our Apollo Specialists are here to help, 7 days a week. Reach us via email or give us a call
Milkii
This mobile app provides quick cash loans, asset financing, and airtime loans with transparent terms and flexible repayment options. It offers a simple interest formula for loan costs and a maximum APR of 10%. Users can also make merchant payments easily.
- Cash loans
- Asset financing
- Airtime loans
- Merchant payments
- Flexible repayment terms
- Transparent pricing
- Simple interest formula
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Mobile micro-loan application in Ethiopia, brought to you by Oromia Bank. Milkii offers cash loans, asset financing, airtime loans, and merchant loans with transparent terms and flexible repayment options. Key Features: Flexible Repayment Terms: Choose from repayment periods ranging from 30 to 180 days, allowing you to repay at your convenience. Transparent Pricing: We use a simple interest formula to calculate loan costs, ensuring full transparency in fees and interest rates. Maximum APR: Our loans have a maximum Annual Percentage Rate (APR) of 10%. We are committed to providing affordable lending solutions. Representative Loan Example: Cash Loan - Milkii Loan Amount: 500 ETB Total Charges: 50 ETB Total Interest: 0 ETB Repayment Period: 30 days Frequency: Monthly Airtime Loan - Milkii Airtime Loan Amount: 25 ETB Total Charges: 0 ETB Total Interest: 0 ETB Repayment Period: 30 days Frequency: Monthly Merchant Payments: Easily pay for goods at Milkii and SantimPay merchants using your loan, enhancing your shopping experience. Commitment to Transparency: At Oromia Bank, we believe in empowering our customers with clear information about loan quality, features, fees, risks, and benefits. We are dedicated to helping you make informed financial decisions.
Screenshots
Verdict
The clearest difference is rating: Milkii at 4.5 against Apollo Digital's 3.1. Milkii also leads on update cadence (fortnightly vs every 2 months) and iOS requirement (13.0 vs 15.0). Apollo Digital's advantage is ratings volume (241 vs 2). On price, ads, in-app purchases and monetization model 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.
Milkii holds the better App Store score, 4.5 against 3.1. That said, the two scores are not equally well evidenced: Apollo Digital has 241 ratings behind it against 2, so its average is the more settled of the two.
Apollo Digital ships an update every 2 months, Milkii fortnightly. The most recent releases landed on September 23, 2026 and July 8, 2026 respectively.
| Parameter | Apollo Digital | Milkii |
|---|---|---|
| Price | Free | Free |
| Rating | 3.1 (241 ratings) | 4.5 (2 ratings) — better |
| Positive reviews | 29.6% of reviews | — |
| Number of ratings | 241 — better | 2 |
| Update frequency | Every 2 months | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 333 MB | 54 MB |
| Age rating | 4+ | 4+ |
| Developer | Bank of Abyssinia | Oromia International Bank SC |
Customer experience
Apollo Digital
Milkii
Bugs and requests
Apollo Digital
Reported bugs
14 issues- Face recognition login rejection
- OTP input field rejects numeric entries
- App crashes during onboarding
- QR code scanning fails after updates
- OTP not copying to clipboard automatically
Show 9 moreShow fewer
- Device registration page freezes
- Keyboard input not registering in OTP fields
- File upload stalls during signup
- Selfie capture takes excessive time on iPhone
- Onboarding data incomplete error loop
- Sign up/login contradictory error messages
- App freezes on non-responsive screens
- JWT authentication issues
- Money transfer stuck in processing
Requested features
7 requests- Apple Face ID biometric authentication
- Loan services on iOS (available on Android)
- Document upload option during signup
- Telebirr transfer functionality restoration
- OTP automatic clipboard copying
Show 2 moreShow fewer
- QR code scanning capability
- Support for diaspora/international users
Milkii
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Apollo Digital
No in-app purchases
Milkii
No in-app purchases









