Oxygen Mobile Access vs Aella MFB
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Pay bills
- Transfer funds
- Access account balance
- View transaction history
- Redraw home loan funds
- Daily transfer limit
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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
Aella MFB
This finance app offers loans, investments, bill payments, and micro-insurance. It simplifies financial access for individuals and businesses, especially in emerging markets, by leveraging technology. Features include address verification through location monitoring for enhanced transaction limits.
- Loans
- Investments
- Bill payments
- Micro-insurance
- Peer-to-peer transfers
- Address verification via location monitoring
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Aella MFB takes the hassle out of Finance - whether you are a business or an individual, we put control back in your hands with simple, straightforward products. Our "true north" is designed to help customers build financial independence by building simple products; loans, investments, bill payments, micro-insurance plans, and peer-to-peer money transfers. Why Aella MFB? We exist to simplify and open up financial access for all in emerging markets - by leveraging technology and widespread mobile adoption, we build products to make an impact at the frontier of Financial Inclusion. Our app has a feature for verifying addresses, which requires the ability to monitor regions and receive location updates in the background. This feature is essential for accurately verifying a user's address and providing access to higher loan limits and tier 3 level transaction limits. We have created a video showcasing this feature, which we have attached for your reference. You can see in the video how the app monitors a user's location and registers a region around their address. Once the user has visited the region a certain number of times, the address is verified. We understand that enabling the "Location" background mode can have an impact on battery life, and we have taken steps to minimize this impact. For example, we only monitor regions that are explicitly registered by the user and don't monitor location updates when the user is outside registered region. We believe that our use of the "Location" background mode is essential for the core functionality of our app and we have demonstrated this in the video.
Screenshots
Verdict
The clearest difference is rating: Aella MFB at 4.6 against Oxygen Mobile Access's 3.0. Aella MFB also leads on ratings volume (198 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Aella MFB holds the better App Store score, 4.6 against 3.0. That said, the two scores are not equally well evidenced: Aella MFB has 198 ratings behind it against 3, so its average is the more settled of the two.
Both ship on a similar rhythm, roughly every 2 weeks. The most recent releases landed on October 24, 2026 and October 30, 2026 respectively.
| Parameter | Oxygen Mobile Access | Aella MFB |
|---|---|---|
| Price | Free | Free |
| Rating | 3.0 (3 ratings) | 4.6 (198 ratings) — better |
| Positive reviews | — | 37.5% of reviews |
| Number of ratings | 3 | 198 — better |
| Update frequency | Every 2 weeks | Every 2 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.1 — better | 15.6 |
| Further details — not scored | ||
| Size | 73 MB | 109 MB |
| Age rating | 4+ | 4+ |
| Developer | Origin Mortgage Management Services Pty Ltd | Aella Microfinance Bank Limited |
Customer experience
Oxygen Mobile Access
Aella MFB
In-app purchases
Oxygen Mobile Access
No in-app purchases
Aella MFB
No in-app purchases
Questions
Is Oxygen Mobile Access free?
Is Aella MFB free?
Which has better reviews, Oxygen Mobile Access or Aella MFB?
Do Oxygen Mobile Access or Aella MFB have ads?
Which is updated more often, Oxygen Mobile Access or Aella MFB?
Other comparisons
