Comparison

Monéé Powered by Citygate vs EBSPay Mobile

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

Head to head
About

Monéé Powered by Citygate

Manage your finances with this app, offering short-term loans, high-interest savings, bill payments, and money transfers. It provides a secure platform to control your financial life and make smart savings and investment plans.

Highlights
  • Short-term loans up to ₦1,000,000
  • Minimum 13% interest on savings
  • Bill payments for any kind
  • Money transfer with low fees
  • Airtime and data recharge
  • Financial control and planning
Features
Read full description

Download Monéé and enjoy easy banking with access to: o Short term loans o Minimum of 13% interest on savings and investments. The more you save the more you earn! o Pay for your bills of any kind and also send money. o You have control over your financial life with Monéé. Monéé Interest Rate and Loan Repayment: o You can access from ₦2,500 up to ₦1,000,000 o No collateral, no guarantor, no unnecessary document is required o Loan is approved and disbursed in a few minutes o Make repayments over a maximum period of 360 days (12 Months) o Daily interest rate ranges from 0.083% - 0.09% and equivalent monthly interest rate ranges from 2.5% - 2.7%. o Annual Percentage Rate (APR) from 30.5% - 36%. o No processing fees o No penalty charge on late payment Example: for a loan of ₦30,000 for 90 days, Monéé charges 2.5% monthly interest with APR of 30.5%. See repayment breakdown below: Loan Amount: ₦30,000 Loan Tenure: 3 months (90 days) Number of Repayments: 3 Monthly Interest Rate: 2.5% Monthly Interest Amount: ₦750 Monthly repayment: ₦10,750 Total Interest (for 3 months): ₦2,250 Total amount payable: ₦32,250 APR: 30.5%. Save With High Return on Your Investment: Instead of going to the bank for a savings account, with Monéé, you have your account in your pocket. Make more money while you save instead of just saving and losing the whole money. Save smart with Monéé. Fund Transfer Made Easy with Monéé: 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. Make Seamless Bill Payment of Any Kind: Pay for any kind of bill you can think of, Select and pay. Why not try Monéé. Monéé will make your life easier. Airtime and Data Recharge: Purchase airtime/data on the go with Monéé App. About Monéé: Monéé, a Mobile Loan, Savings, Investment, Bill Payment and Funds Transfer application powered by Citygate Global Investment Limited, a Microfinance Institution with over 13 years’ experience in the Finance Sector. It is both a financial service and a financial platform that enhances the quality of its user’s 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@monee.ng info@monee.ng hello@monee.ng Call: 070024894283, 012919739 Visit: monee.ng Like on Facebook: https://web.facebook.com/ Monéé Follow on Instagram: moneesupport Follow on Twitter: @moneesupport

About

EBSPay Mobile

Features
Read full description

EBSPay is a next-generation digital platform designed to bridge the gap between connectivity and convenience. We believe that buying airtime, data, and paying bills should be instantaneous and stress-free. Whether you are an individual user looking for speed, or a merchant looking to grow your business margin, our platform is engineered to serve you with reliability at its core.

Screenshots

Monéé Powered by Citygate4 screens
EBSPay Mobile4 screens

Verdict

The call

The clearest difference is update cadence: EBSPay Mobile at every 3 days against Monéé Powered by Citygate's every 12 months. Monéé Powered by Citygate's advantage is iOS requirement (12.0 vs 15.1). 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

Monéé Powered by Citygate ships an update every 12 months, EBSPay Mobile every 3 days. The most recent releases landed on October 24, 2026 and October 28, 2026 respectively.

Scorecard2 real differences · 8 level
Monéé Powered by Citygate versus EBSPay Mobile: the parameters behind the verdict, then further details
ParameterMonéé Powered by CitygateEBSPay Mobile
PriceFreeFree
Rating5.0 (1 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings1 — better—
Update frequencyEvery 12 monthsEvery 3 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS12.0 — better15.1
Further details — not scored
Size46 MB27 MB
Age rating17+4+
DeveloperCITYGATE GLOBAL INVESTMENT LIMITEDAL-KAREEM JORDAN AROGUNDADE

In-app purchases

None

Monéé Powered by Citygate

No in-app purchases

None

EBSPay Mobile

No in-app purchases

Questions

Is Monéé Powered by Citygate free?
Monéé Powered by Citygate is free to download, with no in-app purchases.
Is EBSPay Mobile free?
EBSPay Mobile is free to download, with no in-app purchases.
Do Monéé Powered by Citygate or EBSPay Mobile have ads?
Neither Monéé Powered by Citygate nor EBSPay Mobile shows ads.
Which is updated more often, Monéé Powered by Citygate or EBSPay Mobile?
Monéé Powered by Citygate ships an update every 12 months, and EBSPay Mobile every 3 days. Most recently, Monéé Powered by Citygate was updated on October 24, 2026 and EBSPay Mobile on October 28, 2026.

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