Comparison

Oxygen Mobile Access vs Neocash Mobile

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

Head to head
About

Oxygen Mobile Access

Manage your finances on the go with this app. Easily pay bills, transfer funds across Australia, and access your account details. You can also redraw funds from your home loan account, with daily transfer limits.

Highlights
  • Pay bills
  • Transfer funds
  • Access account balance
  • View transaction history
  • Redraw home loan funds
  • Daily transfer limit
Features
Read full description

Mobile Access from Oxygen is here! Pay bills and transfer funds to anywhere in Australia Access your account balance and transaction history whenever you want Redraw funds from your home loan account, fast Transfer up to $10,000 a day It's safe, protecting you and your account information By using Loan One Mobile Access you agree to our Terms and Conditions as set out at https://online.originmms.com.au/ib/oxygen/Terms

About

Neocash Mobile

This app provides quick and easy access to personal loans for Lagos State residents. Apply for amounts between ₦5,000 and ₦5,000,000 with flexible repayment terms and no collateral required for most loans. Funds are credited upon approval.

Highlights
  • Loan amounts from ₦5,000 to ₦5,000,000
  • Flexible repayment periods
  • Fast loan approval and disbursement
  • No collateral or guarantor needed
  • Secure and reliable loan service
  • Human-touch digital banking
Features
Read full description

LAGOS STATE RESIDENTS ONLY Whatsapp: 08081250499 ₦5,000 to ₦25,000,000, apply in just 5 minutes! No Collateral, No Guarantor, No Time! NeoCash is a new app from Shepherd Trust Microfinance Bank. We have been providing financial services to all classes of Nigerians since 2011, and are now bringing the same quality customer service right into your hands. We are on a mission to give a human touch to digital banking and as we scale, we’re bringing with us the same people-centric, customer focused culture we’ve always strived to build locally. Download our app now and apply for a loan in less than 5 minutes. Why Use NeoCash? - Borrow up to ₦5,000,000 - Choose your payment tenure - Fast and easy access to loans, with no hidden charges - Account is credited as soon as the loan is approved - No collateral or guarantor needed for most loans - NeoCash Loan App is extremely secure and reliable Loan characteristics Loan amounts from ₦5,000 to ₦5,000,000 Repayment period from 61 days to 12 months APR from 30% to 120% per annum Loan Requirements - A steady and verifiable source of income (Job or Business) - Bank statement (to prove income) - Gov't issued ID Card - A good credit history An example of a NeoCash loan Borrow ₦100,000 over 3 months Interest (total cost of the loan): ₦7,500 (2.5% rate) Three monthly repayments: ₦35,833 Total amount payable: ₦107,500 Representative: 30% APR

Screenshots

Oxygen Mobile Access4 screens
Neocash Mobile4 screens

Verdict

The call

The clearest difference is rating: Neocash Mobile at 3.7 against Oxygen Mobile Access's 3.0. Oxygen Mobile Access's advantage is monetization model (free vs ad-supported). On price, ratings volume, update cadence and ads 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

Neocash Mobile holds the better App Store score, 3.7 against 3.0. Both are backed by a comparable volume of ratings — 3 and 6 respectively.

UpkeepUpdate frequency

Oxygen Mobile Access ships an update every 2 weeks, Neocash Mobile every 3 weeks. Both last shipped on October 24, 2026.

Scorecard2 real differences · 8 level
Oxygen Mobile Access versus Neocash Mobile: the parameters behind the verdict, then further details
ParameterOxygen Mobile AccessNeocash Mobile
PriceFreeFree
Rating3.0 (3 ratings)3.7 (6 ratings) — better
Positive reviews—14.3% of reviews
Number of ratings36 — better
Update frequencyEvery 2 weeks — betterEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.1 — better15.6
Further details — not scored
Size73 MB159 MB
Age rating4+17+
DeveloperOrigin Mortgage Management Services Pty LtdShephard Trust Bank

Customer experience

Oxygen Mobile Access

All ratings2 ratings
Positive50.0%
Neutral0.0%
Negative50.0%

Neocash Mobile

All ratings6 ratings
Positive66.7%
Neutral0.0%
Negative33.3%
Written reviews14 reviews
Positive14.3%
Neutral7.1%
Negative78.6%

In-app purchases

None

Oxygen Mobile Access

No in-app purchases

None

Neocash Mobile

No in-app purchases

Questions

Is Oxygen Mobile Access free?
Oxygen Mobile Access is free to download, with no in-app purchases.
Is Neocash Mobile free?
Neocash Mobile is free to download, with no in-app purchases.
Which has better reviews, Oxygen Mobile Access or Neocash Mobile?
Neocash Mobile is rated higher. Oxygen Mobile Access averages 3.0 out of 5 from 3 ratings, while Neocash Mobile averages 3.7 from 6 ratings.
Do Oxygen Mobile Access or Neocash Mobile have ads?
Neither Oxygen Mobile Access nor Neocash Mobile shows ads.
Which is updated more often, Oxygen Mobile Access or Neocash Mobile?
Oxygen Mobile Access ships an update every 2 weeks, and Neocash Mobile every 3 weeks. Most recently, Oxygen Mobile Access was updated on October 24, 2026 and Neocash Mobile on October 24, 2026.

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