Comparison

Platnova vs GeoPay

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

Head to head
About

Platnova

This app facilitates global money transfers, secure savings, and bill payments in over 80 countries and 25 currencies. It offers virtual and physical cards for purchases, gift card services, and lifestyle bookings, all secured with advanced authentication and 24/7 support.

Highlights
  • Global money transfers
  • Multi-currency wallet
  • Virtual and physical cards
  • Bill payments and top-ups
  • Gift cards
  • Vault savings
  • Lifestyle services
Features
Read full description

Platnova is your all-in-one finance and lifestyle app, offering seamless money transfers, secure savings, bill payments, and more across 80+ countries and 25+ currencies. Easy Setup Sign up effortlessly with just your name and email to start transferring payments. No bank account or credit card is required to begin transacting. Global Money Transfers Send and receive money instantly to over 80 countries in 25+ currencies, including AED, AUD, USD, GBP, CHF, EUR, NGN, and more. Enjoy competitive exchange rates and multiple payment methods for a hassle-free experience. Multi-Currency Wallet Hold and manage funds in various currencies such as USD, GBP, EUR, and NGN. Easily swap between currencies at favorable rates to suit your needs. Virtual and Physical Cards Create and fund virtual or physical cards for secure online and in-store purchases. Enjoy fast and easy withdrawals via POS and manage your transactions through the Platnova app. Bill Payments and Top-Ups Conveniently pay bills, recharge airtime, and purchase data bundles for various service providers worldwide, all from the comfort of your home or on the go. Gift Cards Purchase and send a wide range of gift cards to friends and family at the best rates. Choose from popular options like PlayStation, Apple, Amazon, and more. Tuition Payments Pay your tuition fees, accommodation, and other bills in any country with no extra fees, ensuring a hassle-free educational experience. Vault Savings Save in your preferred currency with flexible terms and earn competitive interest rates. Choose from short, medium, or long-term savings plans to grow your wealth securely. Lifestyle Services Book flights, hotels, and more with ease. Access over 300 airlines and hotels, and enjoy the convenience of booking now and paying later. Secure and Reliable Your security is our priority. With multi-sig wallets, One-Time Pins (OTPs), and industry-standard authenticators, we ensure your funds are always safe and secure. 24/7 Support Our dedicated support team is always available to assist you. Chat with us directly through the Platnova app for immediate help with any questions or concerns. Experience the future of finance and lifestyle management with Platnova. Download the app today and take control of your financial journey. For more information, visit our website: platnova.com Connect with us on social media: - Facebook: @getplatnova - Twitter: @getplatnova - Instagram: @getplatnova

About

GeoPay

Manage bills, convert airtime to cash, and make instant money transfers. Access virtual USD cards for international payments and online shopping. Enjoy secure, fast, and user-friendly financial services.

Highlights
  • Convert airtime to cash instantly
  • Virtual USD cards for online spending
  • Easy bills payment (airtime, data, electricity, TV)
  • Instant money transfers within Nigeria
  • Refer friends and earn rewards
  • Seamless banking services integration
Features
Read full description

GeoPay (formerly GeoTopup) is the simple, fast and secure way to handle your everyday payments in Nigeria. Buy cheap data and airtime, pay your bills, convert airtime to cash, and spend online with a virtual USD card — all in one clean app. Whether you are recharging, paying a bill or shopping online, GeoPay keeps it affordable, reliable and easy. CHEAP DATA & AIRTIME — ALL NETWORKS Buy affordable data bundles and airtime for MTN, Glo, Airtel and 9mobile in seconds. Recharge for yourself, your family or your friends, anytime, with fast delivery and great rates. PAY YOUR BILLS IN SECONDS • Electricity: pay prepaid and postpaid bills for major discos and get your token fast. • Cable TV: renew DStv, GOtv and Startimes subscriptions in seconds. • Education: pay for exam pins and education services. AIRTIME TO CASH Have extra airtime you do not need? Convert your airtime to cash and get paid straight into your GeoPay wallet. A quick, easy way to turn unused airtime into money. VIRTUAL USD (DOLLAR) CARD Create a virtual USD card to shop and pay online — streaming, software, ads and international websites that accept cards. Fund it from your wallet and manage your card securely inside the app. eSIM Get connected with an eSIM — mobile data without a physical SIM. Great for travel and as a backup line. BUSINESS REGISTRATION (CAC) Register your business name with CAC right from the app, without the stress. WALLET, TRANSFERS & WITHDRAWALS Fund your wallet by bank transfer, send money to other GeoPay users, and withdraw to your bank account anytime. Your balance is always one tap away. REFER & EARN Share your referral link, invite friends, and earn rewards when they join and transact on GeoPay. SAFE & SECURE Your account is protected with a transaction PIN, Face ID and modern security, so every payment stays in your control. MORE COMING SOON We are always improving GeoPay and adding new services and bill options — more is on the way. WHY GEOPAY (FORMERLY GEOTOPUP) • Affordable data and airtime on all networks • Fast, reliable bills payment • Airtime to cash, made simple • A virtual USD card for online payments • eSIM and more in one app • A clean, easy-to-use app you can trust Download GeoPay today and enjoy cheap data, airtime, bills payment, airtime to cash and a virtual USD card — all in one place. Terms of use : https://geopay.ng/terms Privacy Policy : https://geopay.ng/privacy Refund Policy : https://geopay.ng/refund To request to delete Data : https://geopay.ng/delete-data

Screenshots

Platnova4 screens
GeoPay4 screens

Verdict

The call

The clearest difference is review sentiment: Platnova at 69% against GeoPay's 19%. Platnova also leads on rating (4.0 vs 3.4) and ratings volume (177 vs 51). GeoPay's advantage is update cadence (every 2 days vs weekly). 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

Platnova holds the better App Store score, 4.0 against 3.4. Both are backed by a comparable volume of ratings — 177 and 51 respectively. Written reviews point the same way: 69% of Platnova's written reviews are positive against 19% of GeoPay's.

UpkeepUpdate frequency

Platnova ships an update weekly, GeoPay every 2 days. The most recent releases landed on September 23, 2026 and September 25, 2026 respectively.

Scorecard4 real differences · 6 level
Platnova versus GeoPay: the parameters behind the verdict, then further details
ParameterPlatnovaGeoPay
PriceFreeFree
Rating4.0 (177 ratings) — better3.4 (51 ratings)
Positive reviews69.1% of reviews — better18.8% of reviews
Number of ratings177 — better51
Update frequencyWeeklyEvery 2 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.615.0 — better
Further details — not scored
Size223 MB67 MB
Age rating4+4+
DeveloperPlatnovaOgie Communication And General Services

Customer experience

Platnova

All ratings177 ratings
Positive73.4%
Neutral2.8%
Negative23.7%
Written reviews152 reviews
Positive69.1%
Neutral0.7%
Negative30.3%

GeoPay

All ratings51 ratings
Positive60.8%
Neutral5.9%
Negative33.3%
Written reviews16 reviews
Positive18.8%
Neutral12.5%
Negative68.8%

Bugs and requests

Platnova

Reported bugs

3 issues
  • Restricted account access
  • Delayed or missing fund transfers
  • Incompatibility with certain payment methods

Requested features

3 requests
  • Gift card and virtual card purchase options
  • Improved withdrawal and refund process
  • Expanded payment method support

GeoPay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Platnova

No in-app purchases

None

GeoPay

No in-app purchases

Questions

Is Platnova free?
Platnova is free to download, with no in-app purchases.
Is GeoPay free?
GeoPay is free to download, with no in-app purchases.
Which has better reviews, Platnova or GeoPay?
Platnova is rated higher. Platnova averages 4.0 out of 5 from 177 ratings, while GeoPay averages 3.4 from 51 ratings.
Do Platnova or GeoPay have ads?
Neither Platnova nor GeoPay shows ads.
Which is updated more often, Platnova or GeoPay?
Platnova ships an update weekly, and GeoPay every 2 days. Most recently, Platnova was updated on September 23, 2026 and GeoPay on September 25, 2026.

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