# Monibac vs XedlaPay

The clearest difference is review sentiment: XedlaPay at 100% against Monibac's 18%. XedlaPay also leads on rating (5.0 vs 2.8) and monetization model (free vs free with in-app purchases). Monibac's advantage is ratings volume (87 vs 2). 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.

XedlaPay 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 XedlaPay's.

Monibac ships an update every 3 months, XedlaPay every 3 weeks. The most recent releases landed on October 22, 2026 and October 2, 2026 respectively.

## The numbers

| Metric | Monibac | XedlaPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.8 (87 ratings)](https://appshunter.io/ios/app/monibac/id1670621261/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/xedlapay/id6739815843/reviews)** |
| Number of ratings | **87** | 2 |
| Positive reviews | 17.9% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 3 weeks** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 68 MB | 72 MB |
| Requires iOS | 15.5 | **14.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 17+ | 17+ |
| Developer | [Prime Zone Limited](https://appshunter.io/developer/1670621263) | [Xedla Pay](https://appshunter.io/developer/1787185142) |

## 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


### XedlaPay

[App page](https://appshunter.io/ios/app/xedlapay/id6739815843)

This platform provides secure and efficient payment solutions, including an escrow system for buyer-seller trust and live chat for communication. It offers virtual USD cards for international payments and supports various financial transactions like bill payments and airtime top-ups.

**Highlights:** Escrow payment system, Live chat for communication, Virtual USD cards, Intra and inter-bank transfers, Utility bill payments, Airtime and data top-ups

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Monibac free?

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

### Is XedlaPay free?

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

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

XedlaPay is rated higher. Monibac averages 2.8 out of 5 from 87 ratings, while XedlaPay averages 5.0 from 2 ratings.

### Do Monibac or XedlaPay have ads?

Neither Monibac nor XedlaPay shows ads.

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

Monibac ships an update every 3 months, and XedlaPay every 3 weeks. Most recently, Monibac was updated on October 22, 2026 and XedlaPay on October 2, 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.*