Monibac vs AidaPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Monibac
Access collateral-free loans and earn interest on savings. This app allows users to save, withdraw, and get loans up to 150% of their savings after three months. Enjoy transparent loan terms and repayment reminders.
- Collateral-free loans
- Earn interest on savings
- Loans up to 150% of savings
- Transparent loan terms
- Monthly repayment reminders
- Lock savings for interest
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Monibac is an app where you can save and earn interest on your savings, and easily top up and withdraw to your account. Why Monibac? There are no charges on deposits. You earn interest when you lock your savings. You can easily top up and withdraw to your account. How it works Install the Monibac App from the App Store Register your account Start saving Lock your savings for a specified period of time to earn interest. For example, if you save for 3 months, you get 3% of your savings; for 6 months, you get 5%. Eligibility Above 18 years Lives in Nigeria Contact Us Customer service Email: admin@monibac.com Customer service Hotline: 07060953139 Address: Block A211, Sura Shopping Complex, Lagos Island, Lagos State.
AidaPay
Easily pay utility bills and purchase airtime and data bundles at affordable rates. This app offers fast, smooth, and reliable transactions for various services including cable TV subscriptions and electricity bills. Convert airtime to cash and become an agent to earn money.
- Purchase airtime and data bundles
- Pay utility bills (electricity, TV subscriptions)
- Convert airtime to cash
- Become an agent to resell services
- Instant discounts on purchases
- Support for all major Nigerian networks
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AidaPay is the easy way to buy cheap data and airtime and pay your bills in Nigeria. Top up MTN, Airtel, Glo and 9mobile, pay electricity and renew DStv, GOtv and StarTimes, all from one wallet. Scan to pay and send money with ScanPay, and earn cashback and rewards as you pay. CHEAP DATA AND AIRTIME • Cheap data bundles for MTN, Airtel, Glo and 9mobile: daily, weekly and monthly plans • Airtime top-up for every network, delivered in seconds • Save the numbers you top up most and buy again in two taps • Auto-renew your data, light or TV so it never runs out ELECTRICITY BILLS • Pay prepaid and postpaid electricity: IKEDC, EKEDC, AEDC, IBEDC, PHED, KEDCO, JED, BEDC and more • Get your meter token on screen and in your transaction history CABLE TV • Renew DStv, GOtv and StarTimes subscriptions in a few taps SCANPAY • Scan a QR code to pay and send money • Your own ScanPay account to receive money • Withdraw your ScanPay balance to your bank REWARDS • Cashback on your purchases • Refer & Earn: ₦500 for every friend who joins and makes their first purchase, and your friend gets 3,000 AidaPoints • AidaPoints, daily streaks, personal offers, games and predictions in the Reward Center SAFE AND SECURE • Every payment is approved with your PIN, Face ID or fingerprint • Two-factor sign-in with an authenticator app • See and remove the devices signed in to your account FOR AGENTS AND BUSINESSES • Bulk purchases for many numbers at once • Agent levels with bigger commissions on every sale Need help? Chat with Julie, our assistant, any time in the app, or email help@aidapay.ng. https://aidapay.ng/contact_us
Screenshots
Verdict
The clearest difference is review sentiment: AidaPay at 71% against Monibac's 18%. AidaPay also leads on rating (4.1 vs 2.8) and update cadence (every 5 days vs every 3 months). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
AidaPay holds the better App Store score, 4.1 against 2.8. That said, the two scores are not equally well evidenced: AidaPay has 520 ratings behind it against 87, so its average is the more settled of the two. Written reviews point the same way: 18% of Monibac's written reviews are positive against 71% of AidaPay's.
Monibac ships an update every 3 months, AidaPay every 5 days. The most recent releases landed on October 22, 2026 and October 30, 2026 respectively.
| Parameter | Monibac | AidaPay |
|---|---|---|
| Price | Free | Free |
| Rating | 2.8 (87 ratings) | 4.1 (520 ratings) — better |
| Positive reviews | 17.9% of reviews | 71.2% of reviews — better |
| Number of ratings | 87 | 520 — better |
| Update frequency | Every 3 months | Every 5 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.5 | 15.5 |
| Further details — not scored | ||
| Size | 68 MB | 165 MB |
| Age rating | 17+ | 4+ |
| Developer | Prime Zone Limited | ToomaIQ Ltd |
Customer experience
Monibac
AidaPay
Bugs and requests
Monibac
Not enough reviews yet to summarise bugs or requests.
AidaPay
Reported bugs
3 issues- Login issues
- Delayed data activation
- App crashes
Requested features
3 requests- Add withdrawal option
- Improve network coverage
- Introduce more affordable data plans
In-app purchases
Monibac
No in-app purchases
AidaPay
No in-app purchases
