# Monibac vs AidaPay

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.

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.

## The numbers

| Metric | Monibac | AidaPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.8 (87 ratings)](https://appshunter.io/ios/app/monibac/id1670621261/reviews) | **[4.1 (520 ratings)](https://appshunter.io/ios/app/aidapay-scanpay-cheap-data/id6448542163/reviews)** |
| Number of ratings | 87 | **520** |
| Positive reviews | 17.9% of reviews | **71.2% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 5 days** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 68 MB | 165 MB |
| Requires iOS | 15.5 | 15.5 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 17+ | 4+ |
| Developer | [Prime Zone Limited](https://appshunter.io/developer/1670621263) | [ToomaIQ Ltd](https://appshunter.io/developer/1614235120) |

## What reviewers say

### Monibac

[App page](https://appshunter.io/ios/app/monibac/id1670621261)

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.

**Highlights:** Collateral-free loans, Earn interest on savings, Loans up to 150% of savings, Transparent loan terms, Monthly repayment reminders, Lock savings for interest

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### AidaPay

[App page](https://appshunter.io/ios/app/aidapay-scanpay-cheap-data/id6448542163)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Excellent customer service
- 💰 Affordable data plans
- 🚀 Fast and reliable service
- 📱 Easy to use app
- 🔒 Secure transactions

**What reviewers complain about**

- 🐛 Occasional service disruptions
- 💰 High data prices for some plans
- 🕰️ Delayed data delivery
- 🔍 Lack of withdrawal option

**Reported bugs**

- Login issues
- Delayed data activation
- App crashes

**Requested features**

- Add withdrawal option
- Improve network coverage
- Introduce more affordable data plans


## Frequently asked questions

### Is Monibac free?

Monibac is free to download, with no in-app purchases.

### Is AidaPay free?

AidaPay is free to download, with no in-app purchases.

### Which has better reviews, Monibac or AidaPay?

AidaPay is rated higher. Monibac averages 2.8 out of 5 from 87 ratings, while AidaPay averages 4.1 from 520 ratings.

### Do Monibac or AidaPay have ads?

Neither Monibac nor AidaPay shows ads.

### Which is updated more often, Monibac or AidaPay?

Monibac ships an update every 3 months, and AidaPay every 5 days. Most recently, Monibac was updated on October 22, 2026 and AidaPay on October 30, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*