Comparison

Payvice Avantus vs Tingtel

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

Head to head
About

Payvice Avantus

Manage personal and business finances with this all-in-one mobile banking solution. Perform seamless transfers, smart savings, secure payments, and access powerful business tools. It offers bill payments, fund transfers, and business account management.

Highlights
  • Seamless transfers
  • Smart savings
  • Secure payments
  • Business tools
  • Bill payments
  • Fund transfers
  • Business account management
Features
Read full description

Payvice in partnership with Avantus Microfinance Bank, is your all-in-one mobile banking solution designed to simplify your finances, whether personal or business. From seamless transfers and smart savings to secure payments and powerful business tools, Payvice puts you in total control of your money, anytime, anywhere. Payvice is an easy-to-use banking app for bill payments, transfers, and withdrawals. With over 30 bills listed, an easy and fast withdrawal and funds transfer process, and new amazing features, you are guaranteed a successful personal and business banking experience. More about Payvice Banking •⁠ ⁠Manage your existing Payvice business account and or add more outlets to your business. •⁠ ⁠New businesses can join Payvice in a few easy steps. •⁠ ⁠Easy Withdrawal using cards, NQR and USSD. •⁠ ⁠Fund Transfer to all banks and financial institutions listed on NIBSS Instant Payment. •⁠ ⁠Pay all available bills for your customers and earn commission as you transact. •⁠ ⁠Keep track of your business outlets' performance. •⁠ ⁠Upgrade your accounts to do even more without limits. •⁠ ⁠Buy airtime, Data and earn. •⁠ ⁠Live chat with customer support. •⁠ ⁠Earn when you refer a friend to join Payvice banking services. •⁠ ⁠No more disconnections on your cable TV. You can recharge at ease. What's NEW •⁠ ⁠Now you can instantly fund your outlets by simply doing a fund transfer from your bank app to the virtual accounts assigned to your account. •⁠ ⁠Perform more transactions as a merchant. •⁠ ⁠Monitor your daily, weekly and monthly performance. •⁠ ⁠Create new outlets and import your existing outlets, which means you can manage all your stores with just one account. •⁠ ⁠Bank account opening made easy. •⁠ ⁠Enjoy a special experience with our dark mode feature. •⁠ ⁠Secure your app with the unique pattern lock. Your security is our top priority. We are a CBN licensed financial Technology Contact us We are always happy to hear your feedback, questions or concerns.

About

Tingtel

Easily convert airtime to cash, pay bills, and fund various wallets. This app allows you to buy airtime at discounted rates and transfer it anonymously. It also facilitates funding betting wallets and settling insurance premiums without needing a bank card.

Highlights
  • Convert airtime to cash
  • Pay utility bills with airtime
  • Fund mobile money wallets
  • Fund betting wallets
  • Buy airtime at discounted rates
  • Transfer airtime anonymously
Features
Read full description

Tingtel App is the #1 App for anything Airtime in Nigeria. Easily convert Airtime to Cash at the lowest rate, pay bills online with Airtime, convert Airtime to fund MTN MoMo and Airtel SmartCash wallet, fund betting wallet with Airtime, buy Airtime with debit card at discounted rates, and so much more. AIRTIME TO MOBILE MONEY (NEW) Convert any 9ja Airtime to fund mobile money wallet: MTN MoMo and Airtel SmartCash without network restrictions. FUND WITH AIRTIME Easily fund wallet with Airtime. Convert your Airtime instantly to fund betting wallets, and settle insurance premiums without a bank card! AIRTIME BILLS Pay utility bills online; prepaid and postpaid electricity bills, Cable TV, Internet services, and fund betting wallet with Airtime. BUY AIRTIME Discounted Airtime every day, that’s the Tingtel way! Buy Airtime online and get discount on every Airtime purchase. SELL AIRTIME Convert Airtime to Cash and get credited instantly in any bank Account to pay for goods online, or withdraw at any POS or ATM outlet. PAY WITH AIRTIME No change? No problem. Simply pay with Airtime. You can send Airtime from one network to another seamlessly with Tingtel. AIRTIME QR Transfer or Receive Airtime without Sharing your name, number or network TINGTEL ID Conveniently send Airtime to any phone using Tingtel ID, which means no name, no phone or network, just dial *347*85# to send and receive Airtime instantly and anonymously! For more information: Reach out: support@tingtel.com / WhatsApp us 08179472458. Connect with us on our social media platforms @TingtelNG on Instagram, Facebook, and Twitter.

Screenshots

Payvice Avantus4 screens
Tingtel4 screens

Verdict

The call

The clearest difference is rating: Payvice Avantus at 2.9 against Tingtel's 2.1. Payvice Avantus also leads on update cadence (every 3 weeks vs every 2 months). Tingtel's advantage is ratings volume (30 vs 8) and iOS requirement (12.0 vs 15.5). On price, review sentiment, 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

Payvice Avantus holds the better App Store score, 2.9 against 2.1. Both are backed by a comparable volume of ratings — 8 and 30 respectively. Written reviews complicate that: 0% of Payvice Avantus's written reviews are positive against 8% of Tingtel's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Payvice Avantus ships an update every 3 weeks, Tingtel every 2 months. The most recent releases landed on October 27, 2026 and October 25, 2026 respectively.

Scorecard4 real differences · 6 level
Payvice Avantus versus Tingtel: the parameters behind the verdict, then further details
ParameterPayvice AvantusTingtel
PriceFreeFree
Rating2.9 (8 ratings) — better2.1 (30 ratings)
Positive reviews0.0% of reviews7.7% of reviews — better
Number of ratings830 — better
Update frequencyEvery 3 weeks — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.512.0 — better
Further details — not scored
Size89 MB70 MB
Age rating4+4+
DeveloperItex Integration ServicesTingtel Limited

Customer experience

Payvice Avantus

All ratings8 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews2 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Tingtel

All ratings9 ratings
Positive33.3%
Neutral11.1%
Negative55.6%
Written reviews26 reviews
Positive7.7%
Neutral3.8%
Negative88.5%

In-app purchases

None

Payvice Avantus

No in-app purchases

None

Tingtel

No in-app purchases

Questions

Is Payvice Avantus free?
Payvice Avantus is free to download, with no in-app purchases.
Is Tingtel free?
Tingtel is free to download, with no in-app purchases.
Which has better reviews, Payvice Avantus or Tingtel?
Payvice Avantus is rated higher. Payvice Avantus averages 2.9 out of 5 from 8 ratings, while Tingtel averages 2.1 from 30 ratings.
Do Payvice Avantus or Tingtel have ads?
Neither Payvice Avantus nor Tingtel shows ads.
Which is updated more often, Payvice Avantus or Tingtel?
Payvice Avantus ships an update every 3 weeks, and Tingtel every 2 months. Most recently, Payvice Avantus was updated on October 27, 2026 and Tingtel on October 25, 2026.

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