Comparison

Bitoshi vs Monibac

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

Head to head
About

Bitoshi

Easily buy, sell, and swap cryptocurrencies like Bitcoin, USDT, and TRON. Deposit and withdraw cash instantly to your bank account. Send crypto to friends for free using just their usernames and secure your assets with advanced internet security.

Highlights
  • Quick signup with email, phone, and BVN/NIN
  • Instant cash deposit and withdrawal
  • Free crypto transfers via username
  • Secure cryptocurrency wallets
  • Buy, sell, and swap Bitcoin, USDT, TRON
  • Automated recurring crypto investments
  • Referral program for earning commissions
Features
Read full description

Bitoshi is a financial solution that provides individuals and businesses more ways to manage everyday finance and explore new money possibilities. Built on crypto infrastructure, Bitoshi brings together: • Crypto: Buy, sell, swap, send and receive supported cryptocurrencies. • Fiat: Add money, manage your fiat, withdraw to bank and pay supported bills. • Payments: Send & receive Crypto, and pay seamlessly virtual cards. • Cross-Border: Send money globally. • Business Finance: Financial tools businesses need to go further. BUY, SELL AND SWAP CRYPTO Trade BTC, ETH, USDT, USDC, cNGN, SOL, TON, BNB, PYUSD, TRX, LTC, and swap 500+ crypto. Explore supported coins and networks, view available rates and manage your portfolio. ADD MONEY AND WITHDRAW Add money (₦, GH₵, KSh), manage your fiat balance and withdraw to your bank account with ease. Your financial activity is organised in one platform, with access to account statements. SEND AND RECEIVE CRYPTO Send, receive and auto-convert supported assets across available networks. Make transfers to other Bitoshi users using usernames or addresses, or send to external wallets. SEND GLOBALLY Send money and crypto, make payments across borders (Ghana and Kenya) with ease. PAY EVERYDAY BILLS Buy airtime and data, and pay for other eligible bills and services categories such as electricity and television subscriptions, using crypto or local currency (₦, GH₵, KSh). MORE WAYS TO PAY Explore the Bitoshi virtual card for supported online purchases and subscriptions. Your card gives you another way to make eligible payments beyond traditional crypto transfers. GAMIFICATION, REFER AND EARN Invite friends monthly, carry out gamified activities, climb the leaderboard and earn big rewards when all requirements are completed. TRADE FOR LESS Set price alerts for supported assets and receive notifications when your selected price conditions are met. Explore Bitoshi Hour for reduced trading rates on selected days and eligible transactions. Rates, conditions and availability may vary. YOUR FINANCIAL ASSISTANT Explore Bitoshi's AI Assistant for help navigating the app, understanding available features and finding relevant information. Use it as a guide for financial decisions. MORE FOR BUSINESSES Bitoshi OTC services support business-focused, cross-border and high-value transaction needs. Explore available services and speak with Bitoshi Support about the options suited to you. ACCOUNT SECURITY AND SUPPORT Set up your profile, turn on push notifications, manage your account security and access with passkeys, 2FA and Face Comparison. Access Bitoshi Support in-app when you need assistance. FOLLOW US Website: Bitoshi.Africa Instagram: @bitoshi.africa LinkedIn: Bitoshi Africa X (Twitter): @Bitoshiafrica TikTok: @bitoshi.africa Youtube: @Bitoshi.Africa Whatsapp: Bitoshi Hub Telegram: Bitoshi Insider Community

About

Monibac

Access collateral-free loans and earn interest on savings. This app allows users to save, withdraw, and get loans up to 150% of their savings after three months. Enjoy transparent loan terms and repayment reminders.

Highlights
  • Collateral-free loans
  • Earn interest on savings
  • Loans up to 150% of savings
  • Transparent loan terms
  • Monthly repayment reminders
  • Lock savings for interest
Features
Read full description

Monibac is an app where you can save and earn interest on your savings, and easily top up and withdraw to your account. Why Monibac? There are no charges on deposits. You earn interest when you lock your savings. You can easily top up and withdraw to your account. How it works Install the Monibac App from the App Store Register your account Start saving Lock your savings for a specified period of time to earn interest. For example, if you save for 3 months, you get 3% of your savings; for 6 months, you get 5%. Eligibility Above 18 years Lives in Nigeria Contact Us Customer service Email: admin@monibac.com Customer service Hotline: 07060953139 Address: Block A211, Sura Shopping Complex, Lagos Island, Lagos State.

Screenshots

Bitoshi4 screens
Monibac4 screens

Verdict

The call

The clearest difference is review sentiment: Bitoshi at 77% against Monibac's 18%. Bitoshi also leads on rating (4.7 vs 2.8) and monetization model (free vs free with in-app purchases). 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

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

Bitoshi holds the better App Store score, 4.7 against 2.8. That said, the two scores are not equally well evidenced: Bitoshi has 1.7K ratings behind it against 87, so its average is the more settled of the two. Written reviews point the same way: 77% of Bitoshi's written reviews are positive against 18% of Monibac's.

UpkeepUpdate frequency

Bitoshi ships an update every 2 months, Monibac every 3 months. Both last shipped on November 3, 2026.

Scorecard4 real differences · 6 level
Bitoshi versus Monibac: the parameters behind the verdict, then further details
ParameterBitoshiMonibac
PriceFreeFree
Rating4.7 (1.7K ratings) — better2.8 (87 ratings)
Positive reviews77.5% of reviews — better17.9% of reviews
Number of ratings1.7K — better87
Update frequencyEvery 2 months — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.415.5 — better
Further details — not scored
Size200 MB68 MB
Age rating4+17+
DeveloperBitoshi Digital Services LimitedPrime Zone Limited

Customer experience

Bitoshi

All ratings1,719 ratings
Positive92.8%
Neutral3.3%
Negative3.9%
Written reviews102 reviews
Positive77.5%
Neutral3.9%
Negative18.6%

Monibac

All ratings87 ratings
Positive39.1%
Neutral13.8%
Negative47.1%
Written reviews28 reviews
Positive17.9%
Neutral0.0%
Negative82.1%

Bugs and requests

Bitoshi

Reported bugs

3 issues
  • Login and verification issues
  • Withdrawal delays and pending transactions
  • Compatibility problems with older devices

Requested features

4 requests
  • Improve transaction speed and reliability
  • Enhance customer support
  • Optimize app for Android devices
  • Increase transparency in rate adjustments

Monibac

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Bitoshi

No in-app purchases

None

Monibac

No in-app purchases

Questions

Is Bitoshi free?
Bitoshi is free to download, with no in-app purchases.
Is Monibac free?
Monibac is free to download, with no in-app purchases.
Which has better reviews, Bitoshi or Monibac?
Bitoshi is rated higher. Bitoshi averages 4.7 out of 5 from 1.7K ratings, while Monibac averages 2.8 from 87 ratings.
Do Bitoshi or Monibac have ads?
Neither Bitoshi nor Monibac shows ads.
Which is updated more often, Bitoshi or Monibac?
Bitoshi ships an update every 2 months, and Monibac every 3 months. Most recently, Bitoshi was updated on November 3, 2026 and Monibac on November 3, 2026.

Other comparisons