Monibac vs PayToday Mobile
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.
PayToday Mobile
A cardless mobile payment platform for consumers and merchants. Easily pay friends, shop, buy airtime and electricity, or settle parking fees securely from your device. Track all your payment activities efficiently.
- Cardless mobile payments
- Pay friends
- Shop online
- Buy airtime and electricity
- Settle parking fees
- Track payment activities
Read full descriptionHide full description
The PayToday Mobile application is cardless mobile payment platform, designed exclusively for consumer and merchants. Whether you need to pay friends, shop, buy airtime and electricity, or settle parking fees, the app offers a secure and user-friendly interface for managing all your cardless transactions. PayToday empowers consumers to efficiently complete various payment tasks and track their activities, all from your device.
Screenshots
Verdict
The clearest difference is rating: Monibac at 2.8 against PayToday Mobile's 1.0. Monibac also leads on ratings volume (87 vs 2). PayToday Mobile's advantage is monetization model (free vs free with in-app purchases) and update cadence (every 3 weeks 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.
Monibac holds the better App Store score, 2.8 against 1.0. 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.
Monibac ships an update every 3 months, PayToday Mobile every 3 weeks. The most recent releases landed on October 22, 2026 and October 25, 2026 respectively.
| Parameter | Monibac | PayToday Mobile |
|---|---|---|
| Price | Free | Free |
| Rating | 2.8 (87 ratings) — better | 1.0 (2 ratings) |
| Positive reviews | 17.9% of reviews | — |
| Number of ratings | 87 — better | 2 |
| Update frequency | Every 3 months | Every 3 weeks — 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 | 15.1 — better |
| Further details — not scored | ||
| Size | 68 MB | 67 MB |
| Age rating | 17+ | 17+ |
| Developer | Prime Zone Limited | Adaire Technology Services AG |
In-app purchases
Monibac
No in-app purchases
PayToday Mobile
No in-app purchases
Questions
Is Monibac free?
Is PayToday Mobile free?
Which has better reviews, Monibac or PayToday Mobile?
Do Monibac or PayToday Mobile have ads?
Which is updated more often, Monibac or PayToday Mobile?
Other comparisons
