# Oxygen Mobile Access vs Zelia Finance

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.

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

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.

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.

## The numbers

| Metric | Oxygen Mobile Access | Zelia Finance |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (3 ratings)](https://appshunter.io/ios/app/oxygen-mobile-access/id1635094887/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/zelia-finance/id6469104849/reviews)** |
| Number of ratings | **3** | 1 |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Every 2 weeks** | Every 4 months |
| Monetization | **Free** | Ad-supported |
| Size | 73 MB | 45 MB |
| Requires iOS | 15.1 | **13.1** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Origin Mortgage Management Services Pty Ltd](https://appshunter.io/developer/1551884391) | [Zelia Services Limited](https://appshunter.io/developer/1711560745) |

## 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


### Zelia Finance

[App page](https://appshunter.io/ios/app/zelia-finance/id6469104849)

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:** macOS Compatibility

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