# Bitoshi vs Monibac

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.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

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.

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

## The numbers

| Metric | Bitoshi | Monibac |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (1.7K ratings)](https://appshunter.io/ios/app/bitoshi-crypto-and-payments/id1627285591/reviews)** | [2.8 (87 ratings)](https://appshunter.io/ios/app/monibac/id1670621261/reviews) |
| Number of ratings | **1.7K** | 87 |
| Positive reviews | **77.5% of reviews** | 17.9% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 months** | Every 3 months |
| Monetization | **Free** | Free with in-app purchases |
| Size | 200 MB | 68 MB |
| Requires iOS | 16.4 | **15.5** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [Bitoshi Digital Services Limited](https://appshunter.io/developer/1627285593) | [Prime Zone Limited](https://appshunter.io/developer/1670621263) |

## What reviewers say

### Bitoshi

[App page](https://appshunter.io/ios/app/bitoshi-crypto-and-payments/id1627285591)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and reliable
- 👍 User-friendly
- 💰 Good rates for crypto trading
- 🔒 Secure transactions
- 🤑 Satisfying experience

**What reviewers complain about**

- 🐛 Occasional bugs and glitches
- ⏱️ Delayed transactions and withdrawals
- 🤖 Poor customer service
- 💸 Reduced rates during market increases

**Reported bugs**

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

**Requested features**

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


### Monibac

[App page](https://appshunter.io/ios/app/monibac/id1670621261)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked 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.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*