Comparison

Apollo Digital vs Milkii

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

Head to head
About

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.

Highlights
  • Digital account opening
  • Zero fees on digital transactions
  • Effortless money transfers
  • ATM cash disbursement
  • Bill payments
  • Scheduled transfers
  • Biometric security
Features
Read full description

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

About

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.

Highlights
  • Cash loans
  • Asset financing
  • Airtime loans
  • Merchant payments
  • Flexible repayment terms
  • Transparent pricing
  • Simple interest formula
Features
Read full description

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

Apollo Digital4 screens
Milkii4 screens

Verdict

The call

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

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

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.

UpkeepUpdate frequency

Apollo Digital ships an update every 2 months, Milkii fortnightly. The most recent releases landed on September 23, 2026 and July 8, 2026 respectively.

Scorecard4 real differences · 6 level
Apollo Digital versus Milkii: the parameters behind the verdict, then further details
ParameterApollo DigitalMilkii
PriceFreeFree
Rating3.1 (241 ratings)4.5 (2 ratings) — better
Positive reviews29.6% of reviews—
Number of ratings241 — better2
Update frequencyEvery 2 monthsFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.013.0 — better
Further details — not scored
Size333 MB54 MB
Age rating4+4+
DeveloperBank of AbyssiniaOromia International Bank SC

Customer experience

Apollo Digital

All ratings241 ratings
Positive51.5%
Neutral5.4%
Negative43.2%
Written reviews71 reviews
Positive29.6%
Neutral8.5%
Negative62.0%

Milkii

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

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 more
  • 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 more
  • QR code scanning capability
  • Support for diaspora/international users

Milkii

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Apollo Digital

No in-app purchases

None

Milkii

No in-app purchases

Questions

Is Apollo Digital free?
Apollo Digital is free to download, with no in-app purchases.
Is Milkii free?
Milkii is free to download, with no in-app purchases.
Which has better reviews, Apollo Digital or Milkii?
Milkii is rated higher. Apollo Digital averages 3.1 out of 5 from 241 ratings, while Milkii averages 4.5 from 2 ratings.
Do Apollo Digital or Milkii have ads?
Neither Apollo Digital nor Milkii shows ads.
Which is updated more often, Apollo Digital or Milkii?
Apollo Digital ships an update every 2 months, and Milkii fortnightly. Most recently, Apollo Digital was updated on September 23, 2026 and Milkii on July 8, 2026.

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