Comparison

Oxygen Mobile Access vs Zelia Finance

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

Zelia Finance

Access convenient credit facilities with this neo-bank designed for underserved Nigerian markets. Secure loans for tuition, personal needs, or business projects with transparent repayment terms and competitive rates. Funds are disbursed directly to your Zelia wallet for easy transactions.

Highlights
  • Access to credit facilities
  • Loans for tuition, students, and SMEs
  • Repayment terms from 61 to 365 days
  • Annual Percentage Rates (APRs) from 2% - 36%
  • Funds disbursed to Zelia wallet
  • Streamlined KYC process
Features
Read full description

Zelia is a Lagos-Nigeria-based credit-led neo-bank powering convenient access to credit facilities for the underserved Nigerian markets. With Zelia, the young Nigerian will not have to worry about fee deadlines and the businessman will experience easier access to project financing. The repayment terms range from 61 days to 365 days with Annual Percentage Rates (APRs) from 2% - 36%. No service fees, late repayment charges are applicable. Getting a loan is simple: 1. Get the App. 2. Sign up as a new user to create an account and submit the required KYC details (rest assured, we've streamlined the process to minimize form-related hassles). 3. Apply for a loan, selecting from options such as Tuition Advance, Student Personal Loan, or SME Loans. Once approval is granted, typically within 24 to 72 hours, the funds will be disbursed to your personal Zelia wallet. Users can then conduct transactions conveniently from there. Why choose Zelia Finance? Zelia Services Limited holds a license from the Lagos State Ministry of Home Affairs as a Money Lender, granted per section 5(2) of the Money Lenders Law of Lagos State. Approved by FCCPC (Federal Competition and Consumer Protection Commission) to be featured on app stores as a digital money lender (DML). We possess the NDPR (Nigerian Data Protection Regulation) trust mark. Choosing Zelia for your borrowing needs guarantees: Lower interest rates. Swift response times. Secure transactions. Loan Repayment Example: An entrepreneur borrows a principal amount of NGN 450,000 with a 12-month tenure and a monthly interest rate of 3%. Details: Principal: NGN 450,000 Loan Tenure:12 Months Monthly Interest Rate: 3% Repayment Information: Repayment Cycle: 12 Repayment Cycle Amount: NGN 51,000 Total Payable: NGN 612,000 You can reach out to us through the following channels: Website: www.zeliafinance.com Email: General inquiries: contact@zeliafinance.com info@zeliafinance.com Lending Inquiries: loans@zeliafinance.com Phone: Customer support: +2349088308010 Alternate contact: +2349088308011 Corporate office: Plot 1-5, Obagun Avenue, Off Fatai Atere Way, Matori, Mushin, Lagos State, Nigeria Please stay connected with us on social media: BankwithZelia

Screenshots

Oxygen Mobile Access4 screens
Zelia Finance4 screens

Verdict

The call

The clearest difference is rating: Zelia Finance at 5.0 against Oxygen Mobile Access's 3.0. Zelia Finance also leads on iOS requirement (13.1 vs 15.1). Oxygen Mobile Access's advantage is ads (none vs shown) and update cadence (every 2 weeks vs every 4 months). On price, in-app purchases and device support 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

Zelia Finance holds the better App Store score, 5.0 against 3.0. Both are backed by a comparable volume of ratings — 3 and 1 respectively.

UpkeepUpdate frequency

Oxygen Mobile Access ships an update every 2 weeks, Zelia Finance every 4 months. The most recent releases landed on November 3, 2026 and October 30, 2026 respectively.

Scorecard6 real differences · 3 level
Oxygen Mobile Access versus Zelia Finance: the parameters behind the verdict, then further details
ParameterOxygen Mobile AccessZelia Finance
PriceFreeFree
Rating3.0 (3 ratings)5.0 (1 ratings) — better
Number of ratings3 — better1
Update frequencyEvery 2 weeks — betterEvery 4 months
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.113.1 — better
Further details — not scored
Size73 MB45 MB
Age rating4+17+
DeveloperOrigin Mortgage Management Services Pty LtdZelia Services Limited

Customer experience

Oxygen Mobile Access

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

Zelia Finance

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Oxygen Mobile Access

No in-app purchases

None

Zelia Finance

No in-app purchases

Questions

Is Oxygen Mobile Access free?
Oxygen Mobile Access is free to download, with no in-app purchases.
Is Zelia Finance free?
Zelia Finance is free to download, with no in-app purchases.
Which has better reviews, Oxygen Mobile Access or Zelia Finance?
Zelia Finance is rated higher. Oxygen Mobile Access averages 3.0 out of 5 from 3 ratings, while Zelia Finance averages 5.0 from 1 ratings.
Do Oxygen Mobile Access or Zelia Finance have ads?
Zelia Finance shows ads; Oxygen Mobile Access does not.
Which is updated more often, Oxygen Mobile Access or Zelia Finance?
Oxygen Mobile Access ships an update every 2 weeks, and Zelia Finance every 4 months. Most recently, Oxygen Mobile Access was updated on November 3, 2026 and Zelia Finance on October 30, 2026.

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