Comparison

Monibac vs MyCliq

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

Head to head
About

Monibac

This app allows users to save money and earn interest by locking their funds for a specified period. It offers easy top-ups and withdrawals with no charges on deposits. Eligibility requires users to be over 18 and reside in Nigeria.

Highlights
  • Earn interest on locked savings
  • No charges on deposits
  • Easy top-up and withdrawal
  • Account registration
  • Savings lock periods
Features
Read 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.

About

MyCliq

Effortlessly manage personal finances with a user-friendly app for payments and transfers. Skip long queues and paperwork by paying for transportation, association fees, and bank transfers securely and instantly. Add money directly from your Nigerian bank account.

Highlights
  • QR code payments
  • Phone number payments
  • Transportation fee payments
  • Association fee payments
  • Bank transfers
  • Transaction history
  • 24/7 customer support
Features
Read full description

Welcome to an all-in-one breezy experience, designed to help you track and simplify your personal finances effortlessly with our user-friendly spending and payment options. Eliminate long queues, cash problems and cumbersome paperwork. Mycliq is a payment app designed to revolutionize the troubles faced when you pay transportation, association levies, and bank transfers. Here is why you should choose Mycliq Fast, simple, and secure payments: complete transactions in seconds, send and receive instant bank transfers. Security is our top priority; therefore, all information is encrypted. Say goodbye to being stranded, embarrassed for not having cash, long queues and unnecessary bank charges. Mycliq offers “cliqpay(phone number payment)” and QR code mode of payments that makes transactions effortless. How do you switch To Mycliq Open the app and create an account with a few simple steps to enjoy a smooth and uninterrupted banking experience. Add money to your Mycliq account from any Nigerian bank and eliminate the hassle of using a debit card. Mycliq features Transportation Payments: Conveniently pay for bus, cab, and other transportation fees directly from your phone. Association Fees: Manage and pay your association or membership dues with just a few taps. Bank Transfers: Transfer money securely to any bank account with ease. Secure Transactions: Enjoy peace of mind with our robust security measures ensuring all your transactions are safe and secure. Transaction History: Keep track of all your payments and transfers with a detailed transaction history. User-Friendly Interface: Navigate through the app effortlessly with our intuitive and easy-to-use design. 24/7 Support: Get round-the-clock assistance with our dedicated customer support

Screenshots

Monibac4 screens
MyCliq4 screens

Verdict

The call

The clearest difference is review sentiment: MyCliq at 100% against Monibac's 18%. MyCliq also leads on rating (5.0 vs 2.8) and update cadence (every 8 days vs every 3 months). Monibac's advantage is ratings volume (87 vs 2). On price, ads, in-app purchases and monetization model 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.

ReceptionRating · Positive reviews · Number of ratings

MyCliq holds the better App Store score, 5.0 against 2.8. That said, the two scores are not equally well evidenced: Monibac has 87 ratings behind it against 2, 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 MyCliq's.

UpkeepUpdate frequency

Monibac ships an update every 3 months, MyCliq every 8 days. The most recent releases landed on November 7, 2026 and October 30, 2026 respectively.

Scorecard4 real differences · 6 level
Monibac versus MyCliq: the parameters behind the verdict, then further details
ParameterMonibacMyCliq
PriceFreeFree
Rating2.8 (87 ratings)5.0 (2 ratings) — better
Positive reviews17.9% of reviews100.0% of reviews — better
Number of ratings87 — better2
Update frequencyEvery 3 monthsEvery 8 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.515.5
Further details — not scored
Size68 MB45 MB
Age rating17+17+
DeveloperPrime Zone LimitedTheinsight Technology Limited

Customer experience

Monibac

All ratings87 ratings
Positive39.1%
Neutral13.8%
Negative47.1%
Written reviews28 reviews
Positive17.9%
Neutral0.0%
Negative82.1%

MyCliq

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Monibac

No in-app purchases

None

MyCliq

No in-app purchases

Questions

Is Monibac free?
Monibac is free to download, with no in-app purchases.
Is MyCliq free?
MyCliq is free to download, with no in-app purchases.
Which has better reviews, Monibac or MyCliq?
MyCliq is rated higher. Monibac averages 2.8 out of 5 from 87 ratings, while MyCliq averages 5.0 from 2 ratings.
Do Monibac or MyCliq have ads?
Neither Monibac nor MyCliq shows ads.
Which is updated more often, Monibac or MyCliq?
Monibac ships an update every 3 months, and MyCliq every 8 days. Most recently, Monibac was updated on November 7, 2026 and MyCliq on October 30, 2026.

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