Comparison

Oxygen Mobile Access vs Rizoka

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

Rizoka

This app simplifies financial transactions and travel bookings for users in Africa. It offers banking services, flight bookings with discounts, gift card trading, and easy bill payments for utilities, airtime, and data. Users can also earn rewards through referrals.

Highlights
  • Banking services (send/receive money)
  • Flight booking (domestic & international)
  • Gift card buying and selling
  • Utility bill payment
  • Prepaid meter electricity recharge
  • Airtime and data purchases with discounts
  • Referral rewards program
Features
Read full description

Here is why Rizoka is your Go-To App at all times. With Rizoka, Excellent onboarding process, receive USD deposits and withdraw in USDT & USDC ‎ Receive Money Across Boarder ‎If you are a freelancer, creator or a remote worker living in Nigeria, Ghana, Uganda, Rwanda and other African country, Rizoka lets you create and own a USD account in your name to receive international payment, save in USD or withdraw at any time. ‎Flight Book Domestic and International Flight on Rizoka app anytime even if you are a guest and want to try out Rizoka. ‎ ‎Gift Cards ‎Buy Gift Cards from top merchants instantly with Naira or USDT & USDC or convert unused Gift cards to cash in minutes. Rizoka makes every purchase easy, and rewarding. Starts from $2. ‎ ‎Bill Payment ‎Take control of your bills with Rizoka—easy payments, no extra fees, zero stress, and total convenience. ‎ ‎Stablecoin Receive USDT & USDC in your Stablecoin wallet at any time, save in USD or withdraw to any USDT & USDC wallet anytime. ‎ Events Discover the moment of happiness, search and book event happening in your city and book the ticket on Rizoka App safely and simple. ‎ ‎Rewards ‎Earn rewards every time you refer a friend to use Rizoka—just share your Referral link or code and start earning. Don’t wait, invite your friends and family today! ‎ ‎If you require additional information, kindly reach out to our active support team via contact@rizoka.com or call our business concierge +234 (201) 330 6155

Screenshots

Oxygen Mobile Access4 screens
Rizoka4 screens

Verdict

The call

The clearest difference is rating: Rizoka at 4.0 against Oxygen Mobile Access's 3.0. Rizoka also leads on ratings volume (13 vs 3). On price, update cadence, 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

Rizoka holds the better App Store score, 4.0 against 3.0. Both are backed by a comparable volume of ratings — 3 and 13 respectively.

UpkeepUpdate frequency

Oxygen Mobile Access ships an update every 2 weeks, Rizoka fortnightly. The most recent releases landed on October 24, 2026 and October 28, 2026 respectively.

Scorecard2 real differences · 8 level
Oxygen Mobile Access versus Rizoka: the parameters behind the verdict, then further details
ParameterOxygen Mobile AccessRizoka
PriceFreeFree
Rating3.0 (3 ratings)4.0 (13 ratings) — better
Positive reviews—0.0% of reviews
Number of ratings313 — better
Update frequencyEvery 2 weeksFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.1 — better15.5
Further details — not scored
Size73 MB120 MB
Age rating4+17+
DeveloperOrigin Mortgage Management Services Pty LtdRizoka Technologies Limited

Customer experience

Oxygen Mobile Access

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

Rizoka

All ratings13 ratings
Positive69.2%
Neutral15.4%
Negative15.4%
Written reviews2 reviews
Positive0.0%
Neutral50.0%
Negative50.0%

In-app purchases

None

Oxygen Mobile Access

No in-app purchases

None

Rizoka

No in-app purchases

Questions

Is Oxygen Mobile Access free?
Oxygen Mobile Access is free to download, with no in-app purchases.
Is Rizoka free?
Rizoka is free to download, with no in-app purchases.
Which has better reviews, Oxygen Mobile Access or Rizoka?
Rizoka is rated higher. Oxygen Mobile Access averages 3.0 out of 5 from 3 ratings, while Rizoka averages 4.0 from 13 ratings.
Do Oxygen Mobile Access or Rizoka have ads?
Neither Oxygen Mobile Access nor Rizoka shows ads.
Which is updated more often, Oxygen Mobile Access or Rizoka?
Oxygen Mobile Access ships an update every 2 weeks, and Rizoka fortnightly. Most recently, Oxygen Mobile Access was updated on October 24, 2026 and Rizoka on October 28, 2026.

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