# Oxygen Mobile Access vs Neocash Mobile

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.

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

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.

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

## The numbers

| Metric | Oxygen Mobile Access | Neocash Mobile |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (3 ratings)](https://appshunter.io/ios/app/oxygen-mobile-access/id1635094887/reviews) | **[3.7 (6 ratings)](https://appshunter.io/ios/app/neocash-mobile/id6444277601/reviews)** |
| Number of ratings | 3 | **6** |
| Positive reviews | — | 14.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 3 weeks |
| Monetization | **Free** | Ad-supported |
| Size | 73 MB | 159 MB |
| Requires iOS | **15.1** | 15.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Origin Mortgage Management Services Pty Ltd](https://appshunter.io/developer/1551884391) | [Shephard Trust Bank](https://appshunter.io/developer/1653545557) |

## What reviewers say

### Oxygen Mobile Access

[App page](https://appshunter.io/ios/app/oxygen-mobile-access/id1635094887)

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:** Apple Wallet, Vision Pro support

**In-app purchases:** none


### Neocash Mobile

[App page](https://appshunter.io/ios/app/neocash-mobile/id6444277601)

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:** Vision Pro support

**In-app purchases:** none


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