Bank9ja vs Cubex
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Bank9ja
A digital banking platform designed for seamless and secure daily financial activities. It allows users to set up profiles quickly, send money, buy data, and pay bills for free, with additional bonuses and cashback. No branch visits or paperwork are required.
- Profile setup in 2 minutes
- Secure passcode and biometric login
- Free money transfers
- Purchase data
- Free bill payments
- Exclusive freebies and cashback
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Bank9ja is a bank agnostic digital banking platform uniquely designed to make your daily banking activities easier, seamless and secure. Bank9ja is for everyone - employees, students, farmers, traders, everyday people, Millennials and GenZs. We have designed Bank9ja with Nigerians in mind, proudly a Nigerian product for Nigerians. Are you from 9ja, then Bank9ja is designed for you. Download, install, use, review and rate it. It's all yours to download for FREE. • Set up your profile in 2 minutes • Secure and faster login with a passcode and biometric login • Send money to any bank account or phone number in seconds for FREE (T & C apply) • Buy cheap data and stay connected • Pay bills for FREE • Enjoy multiple FREEBIES (bonus airtime, bonus betting wallet funding, cashback etc.) round the clock • No paperwork required • No need to ever visit a bank branch • More features coming soon to make your banking experience enjoyable like never before
Cubex
This app facilitates quick money transfers to Nigerian banks and allows for seamless payment of various bills like electricity, airtime, and cable. It also offers instant cash withdrawals and a secure digital wallet for everyday transactions.
- Send money to Nigerian banks
- Pay electricity bills
- Pay airtime
- Pay cable bills
- Pay internet bills
- Instant cash withdrawal
- Secure digital wallet
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CubEx is Nigeria’s fastest app for sending money, paying bills, and managing your digital wallet. What You Can Do: - Send money to any Nigerian bank - Pay electricity, airtime, cable, and internet bills - Instantly withdraw cash from your balance - Secure wallet for easy everyday payments With CubEx, you get speed, security, and control — all in one app. Download CubEx today and experience Nigeria’s best send money and bill payment app.
Screenshots
Verdict
The clearest difference is review sentiment: Cubex at 100% against Bank9ja's 18%. Cubex also leads on rating (5.0 vs 2.7) and iOS requirement (13.0 vs 15.5). Bank9ja's advantage is ratings volume (9 vs 3). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Cubex holds the better App Store score, 5.0 against 2.7. Both are backed by a comparable volume of ratings — 9 and 3 respectively. Written reviews point the same way: 18% of Bank9ja's written reviews are positive against 100% of Cubex's.
Bank9ja ships an update every 6 weeks, Cubex every 3 weeks. The most recent releases landed on November 3, 2026 and October 30, 2026 respectively.
| Parameter | Bank9ja | Cubex |
|---|---|---|
| Price | Free | Free |
| Rating | 2.7 (9 ratings) | 5.0 (3 ratings) — better |
| Positive reviews | 18.2% of reviews | 100.0% of reviews — better |
| Number of ratings | 9 — better | 3 |
| Update frequency | Every 6 weeks | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.5 | 13.0 — better |
| Further details — not scored | ||
| Size | 81 MB | 116 MB |
| Age rating | 17+ | 4+ |
| Developer | 9 Payment Service Bank (9PSB) | CUBEX-NG INTEGRATED TECHNOLOGY SERVICES CO. LIMITED |
Customer experience
Bank9ja
Cubex
In-app purchases
Bank9ja
No in-app purchases
Cubex
No in-app purchases
