Monibac vs 2Pay
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
Read full descriptionHide full description
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.
2Pay
Send money to loved ones quickly and affordably with this finance app. Register, select an amount, and enter recipient details for international transfers. Avoid long waits and poor exchange rates for a better money transfer experience.
- Fast money transfers
- Affordable international sending
- Simple registration process
- Recipient details entry
- Avoids lengthy waiting periods
- Favorable exchange rates
Read full descriptionHide full description
Send money worldwide with confidence using 2Pay. 2Pay is a fast, secure, and affordable international money transfer app that lets you send money to family and friends in over 70 countries. Whether you're making a bank transfer, cash pickup, or mobile wallet payment, 2Pay provides competitive exchange rates, low fees, and real-time transfer tracking. Why choose 2Pay? • Fast international money transfers • Send to 70+ countries worldwide • Competitive exchange rates • Bank deposits, Cash Pickup & Mobile Wallets • Apple Pay & Open Banking payments • Secure identity verification (KYC) • Real-time transfer tracking • Instant notifications • Safe and encrypted payments Download 2Pay today and experience the smarter way to send money internationally.
Screenshots
Verdict
The clearest difference is review sentiment: 2Pay at 100% against Monibac's 18%. 2Pay also leads on rating (4.1 vs 2.8) and monetization model (free vs free with in-app purchases). Monibac's advantage is ratings volume (87 vs 9). 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.
2Pay holds the better App Store score, 4.1 against 2.8. That said, the two scores are not equally well evidenced: Monibac has 87 ratings behind it against 9, 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 100% of 2Pay's.
Monibac ships an update every 3 months, 2Pay monthly. The most recent releases landed on October 22, 2026 and October 25, 2026 respectively.
| Parameter | Monibac | 2Pay |
|---|---|---|
| Price | Free | Free |
| Rating | 2.8 (87 ratings) | 4.1 (9 ratings) — better |
| Positive reviews | 17.9% of reviews | 100.0% of reviews — better |
| Number of ratings | 87 — better | 9 |
| Update frequency | Every 3 months | Monthly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.5 | 15.0 — better |
| Further details — not scored | ||
| Size | 68 MB | 61 MB |
| Age rating | 17+ | 4+ |
| Developer | Prime Zone Limited | 2Pay limited |
Customer experience
Monibac
2Pay
In-app purchases
Monibac
No in-app purchases
2Pay
No in-app purchases
