Comparison

9jaPay vs Empire Trust

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

9jaPay

Manage your finances with this comprehensive app, offering budgeting, investing, banking, and bill payments. Simplify your financial life with secure transactions and easy money management tools.

Highlights
  • Easy money management
  • Bill payments
  • Send and receive money
  • Secure transactions
  • Transfer scheduling
  • Budgeting and investing
Read full description

Introducing the ultimate solution for managing your finances - 9jaPay! Take control of your financial future and experience unparalleled convenience, all in one powerful application. We've got you covered, from budgeting and investing to banking and bill payments. Say goodbye to juggling multiple apps and hello to simplicity and efficiency. Download now and embark on a journey to financial freedom! Why 9jaPay? 9jaPay is the ultimate app for managing your finances with ease. From secure and effortless payments to value-added services, our app provides a comprehensive suite of features to simplify your life. Our app offers an incredible array of features to make your life easier, including: * Easy money management tools * Bill Payments * Send and receive money easily * An array of payment options * Secure transactions * Transfer scheduling Make the switch to convenience in 3 easy steps: Open a FREE account - Download the app and set up your account for free – it only takes a few minutes. Fund your account - You can add money to your 9jaPay account by sending money directly from any bank account or receiving a P2P credit from friends using your unique username or payment links. Start Transacting - Whether you need to send money to loved ones, schedule a transfer, or move money quickly, 9jaPay has you covered. Experience financial convenience like never before. Banking Services are provided by Amegy Microfinance Bank, licensed by the Central Bank of Nigeria. Download the app now and get started. For more information, visit www.9japay.com. Need help? Please email us at support@9japay.com

About

Empire Trust

Features
Read full description

Download Empire Trust App and enjoy easy banking with access to: • Online Account Opening • Seamless Fund Transfers • Savings and Investments with high interest rate. The more you save the more you earn! • Pay bills of any kind with no transaction fee. • Airtime/Data transaction Fund Transfer Made Easy with Empire Trust App: Send money to your loved ones anytime with just N10 transfer fee irrespective of transaction amount. It is secure and is the best. Life is more interesting with our loved ones happy. Enjoy High Return on Your Investment: Invest your free money with Empire Trust App and enjoy high ROI (Return On Investment). Make more money while you save, instead of just saving and losing the whole money. Save smart with Empire Trust App. Make Seamless Bill Payment of Any Kind: Pay for any kind of bill you can think of, Select and pay. Why not try Empire Trust App. Empire Trust App will make your life easier. Airtime and Data Recharge: Purchase airtime/data on the go with Empire Trust App. About Empire Trust App: Empire Trust App, a Mobile application with Savings, Investment, Funds Transfer, Bill Payment and Airtime/Data. Empire Trust App is powered by Empire Trust Microfinance Bank Limited, a Microfinance bank licensed by Central Bank of Nigeria (CBN) to carry out financial services. Her deposits are insured by the Nigerian Deposit Insurance Corporation (NDIC). It is both a financial service and a financial platform that enhances the quality of its users’ lives by giving them a needed financial boost when they need it and by providing a means for them to make targeted Savings and Investment plans. Contact us via: Email: support@empiretrustmfb.com Call: 070024894283, 012919739 Visit: https://empiretrustmfb.com/

Screenshots

9jaPay4 screens
Empire Trust4 screens

Verdict

The call

The clearest difference is update cadence: Empire Trust at fortnightly against 9jaPay's every 5 weeks. On price, ads, 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.

UpkeepUpdate frequency

9jaPay ships an update every 5 weeks, Empire Trust fortnightly. The most recent releases landed on November 7, 2026 and October 30, 2026 respectively.

Scorecard1 real difference · 9 level
9jaPay versus Empire Trust: the parameters behind the verdict, then further details
Parameter9jaPayEmpire Trust
PriceFreeFree
Rating2.5 (10 ratings) — better—
Positive reviews20.0% of reviews—
Number of ratings10 — better—
Update frequencyEvery 5 weeksFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.115.0 — better
Further details — not scored
Size125 MB60 MB
Age rating17+17+
Developer9jaPay UK LimitedCITYGATE

In-app purchases

None

9jaPay

No in-app purchases

None

Empire Trust

No in-app purchases

Questions

Is 9jaPay free?
9jaPay is free to download, with no in-app purchases.
Is Empire Trust free?
Empire Trust is free to download, with no in-app purchases.
Do 9jaPay or Empire Trust have ads?
Neither 9jaPay nor Empire Trust shows ads.
Which is updated more often, 9jaPay or Empire Trust?
9jaPay ships an update every 5 weeks, and Empire Trust fortnightly. Most recently, 9jaPay was updated on November 7, 2026 and Empire Trust on October 30, 2026.

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