Breet vs Monica
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Breet
Easily convert your cryptocurrency into local cash (Naira or Cedis) in under 5 minutes. Swap between over 170 cryptocurrencies, send professional crypto invoices, and pay bills directly with crypto. Get market insights and automatic bank settlements.
- Sell crypto for cash
- Swap over 170 cryptocurrencies
- Crypto invoicing
- Pay bills with crypto
- Price alerts
- Market insights
- Automatic bank settlement
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Breet is your all-in-one crypto app. Buy, sell and swap Bitcoin, USDT and 170+ other coins. Convert crypto to Naira, Cedis, or USD in minutes; pay your bills with crypto; send invoices; hold a USD wallet; and move funds to other Breet users instantly. No P2P, no middlemen, just crypto that works like real money. WHAT YOU CAN DO: • Sell crypto: Convert Bitcoin, USDT, Ethereum and 20+ coins to cash instantly • Buy crypto: Grab USDT and other stablecoins directly in the app • Swap crypto: Trade across 170+ coins without leaving your wallet • Pay bills: Settle airtime, data, electricity and cable TV with crypto • Invoice in crypto: Send professional invoices, get paid, auto-convert to fiat • Hold USD: Keep a USD wallet and move between crypto and cash freely • Send free: Transfer crypto to other Breet users instantly, zero fees • Gift crypto: Send crypto as a gift to friends and family in a few taps WHY AFRICANS CHOOSE BREET: • Fast payouts, usually under 2 minutes • The best rates, no hidden charges • No P2P, no strangers, no waiting, no risk • Real humans on support, 24/7 BUILT ON TRUST: • Registered Money Services Business (MSB) with FINTRAC in Canada • Certified PCI DSS-compliant payment processing • User data protected in line with the NDPA • Crypto wallets, cards and banking services facilitated through licensed partners COINS WE SUPPORT: Bitcoin, Ethereum, USDT, USDC, BNB, Dogecoin, Litecoin, Bitcoin Cash, Tron, Avalanche, Solana, Toncoin, XRP — plus 170+ more for swapping. Download Breet now to make your crypto spendable.
Monica
Manage your finances, pay bills, and shop with discounts all in one place. This app offers instant money transfers, secure transactions, and a virtual dollar card for global shopping. Enjoy free bank withdrawals and easy bill payments.
- Tag & Scan to Pay
- Shop with Discounts
- Pay Bills with Ease
- Virtual Dollar Card
- Free Bank Withdrawals
- Send Money Instantly
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Get ready to simplify your spending and personal money management all in one app! Monica is your everyday financial companion, making life easier and way more fun. Why Monica ? Because We've Got It All! - Tag & Scan to Pay - Just a quick scan and you're all set. - Shop with Discounts - Enjoy a 5% discount on airtime and access over 1000+ gift card options. - Pay Bills with Ease - Handle electricity, data, and more with just few taps. - Virtual Dollar Card - Shop globally without a glitch. - Free Bank Withdrawals - Move money to your bank without fees. Yes, really! - Betting Wallet Funding - Top up your betting wallet in seconds. Features You Can’t Resist: - Send Money Instantly - Seamlessly send money within the Monica network. Whether it's paying back a friend or covering your own expenses, do it with ease. - Top-Notch Security - Sleep easy knowing your funds are super secure. - Instant Transactions - Quick and reliable no more waiting. - Anywhere Access - Manage your money on the go, wherever you are. Become Part of the Monica Community! Get in on the fun and freedom Monica offers. Whether you're buying, selling, or managing your finances, do it smarter with us. Download Now! Start enjoying a seamless payment experience. Join the movement Monica isn't just an app, it's a lifestyle. Stay Updated, follow us for the latest amazing features, super hot deals, and awesome updates. We're more than an app we're your daily financial ally!
Screenshots
Verdict
The clearest difference is review sentiment: Breet at 89% against Monica's 58%. Monica's advantage is update cadence (weekly vs every 3 weeks) and rating (4.6 vs 4.4). 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.
Monica holds the better App Store score, 4.6 against 4.4. That said, the two scores are not equally well evidenced: Monica has 15K ratings behind it against 1.3K, so its average is the more settled of the two. Written reviews complicate that: 89% of Breet's written reviews are positive against 58% of Monica's, so the app with the better star average is not the one people write more warmly about.
Breet ships an update every 3 weeks, Monica weekly. The most recent releases landed on October 30, 2026 and November 1, 2026 respectively.
| Parameter | Breet | Monica |
|---|---|---|
| Price | Free | Free |
| Rating | 4.4 (1.3K ratings) | 4.6 (15K ratings) — better |
| Positive reviews | 89.3% of reviews — better | 58.5% of reviews |
| Number of ratings | 1.3K | 15K — better |
| Update frequency | Every 3 weeks | Weekly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.1 — better | 15.5 |
| Further details — not scored | ||
| Size | 120 MB | 91 MB |
| Age rating | 4+ | 17+ |
| Developer | BREET TECHNOLOGIES LIMITED | MONICA TECHNOLOGIES LIMITED |
Customer experience
Breet
Monica
User reviews
Breet
From 1.3K App Store ratingsWhat we love
- 🚀 Fast and reliable
- 👍 Easy to use
- 🔒 Secure platform
- 💰 Good rates and payouts
- 🤝 Responsive customer support
Room to improve
- 🐛 KYC authentication issues
- 🕰️ Slow network and transaction times
- 💳 Limited withdrawal bank options
Monica
From 15K App Store ratingsWhat we love
- 🚀 Fast and reliable
- 💯 Trusted and secure
- 👍 User-friendly interface
- 💰 Good exchange rates
Room to improve
- 🐛 Withdrawal issues
- 🤖 Poor customer service
- 💰 High transaction fees
- 🔒 Account access problems
Bugs and requests
Breet
Reported bugs
2 issues- KYC authentication not working in certain regions
- Wallet balance not updating properly
Requested features
2 requests- Expand supported withdrawal bank options
- Improve KYC authentication process
Monica
Reported bugs
4 issues- Delayed fund transfers
- Wallet address changes without notice
- App crashes and freezes
- Incorrect transaction amounts
Requested features
4 requests- Expand bank transfer options
- Improve in-app notifications
- Add multi-currency support
- Enhance security features
In-app purchases
Breet
No in-app purchases
Monica
No in-app purchases









