# Monibac vs MoMo PSB NG

The clearest difference is ads: Monibac at none against MoMo PSB NG's shown. Monibac also leads on monetization model (free vs ad-supported). MoMo PSB NG's advantage is update cadence (every 5 days vs every 3 months) and review sentiment (38% vs 18%). On price, rating, ratings volume and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

On the App Store both sit at effectively the same score — 2.8 for Monibac against 2.7 for MoMo PSB NG. Both are backed by a comparable volume of ratings — 87 and 157 respectively. Written reviews are what separate them: 18% of Monibac's written reviews are positive against 38% of MoMo PSB NG's.

Monibac ships an update every 3 months, MoMo PSB NG every 5 days. The most recent releases landed on November 7, 2026 and November 8, 2026 respectively.

## The numbers

| Metric | Monibac | MoMo PSB NG |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.8 (87 ratings)](https://appshunter.io/ios/app/monibac/id1670621261/reviews)** | [2.7 (157 ratings)](https://appshunter.io/ios/app/momo-psb-ng/id6748454264/reviews) |
| Number of ratings | 87 | **157** |
| Positive reviews | 17.9% of reviews | **37.9% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 3 months | **Every 5 days** |
| Monetization | **Free** | Ad-supported |
| Best chart rank | — | **#154** |
| Size | 68 MB | 168 MB |
| Requires iOS | 15.5 | **13.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 17+ | 17+ |
| Developer | [Prime Zone Limited](https://appshunter.io/developer/1670621263) | [MTN FINTECH(PTY) LTD](https://appshunter.io/developer/1756760151) |

## What reviewers say

### Monibac

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

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### MoMo PSB NG

[App page](https://appshunter.io/ios/app/momo-psb-ng/id6748454264)

**Currently charting:** #154 Top Free · Finance (US App Store)

Manage your finances with this mobile money app, offering services for sending, spending, saving, and bill payments. It also provides virtual and physical debit cards for online and in-store transactions. Currently available only to customers in Nigeria.

**Highlights:** Send and receive money, Buy airtime and data, Make bill payments, Save and manage savings, Physical MoMo debit card, Virtual MoMo card, Check balance and transactions

**In-app purchases:** none


## Frequently asked questions

### Is Monibac free?

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

### Is MoMo PSB NG free?

MoMo PSB NG is free to download, with no in-app purchases.

### Which has better reviews, Monibac or MoMo PSB NG?

Monibac is rated higher. Monibac averages 2.8 out of 5 from 87 ratings, while MoMo PSB NG averages 2.7 from 157 ratings.

### Do Monibac or MoMo PSB NG have ads?

MoMo PSB NG shows ads; Monibac does not.

### Which is updated more often, Monibac or MoMo PSB NG?

Monibac ships an update every 3 months, and MoMo PSB NG every 5 days. Most recently, Monibac was updated on November 7, 2026 and MoMo PSB NG on November 8, 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.*