Monibac vs LendFlow
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.
LendFlow
Manage personal finances by tracking all lending and borrowing. Easily monitor who owes you money and whom you owe, with precise interest calculations.
- Track lending and borrowing
- Monitor who owes you money
- Monitor who you owe money to
- Calculate interest precisely
- Personal finance management
Read full descriptionHide full description
LendFlow is your personal finance manager for tracking all lending and borrowing transactions. Easily monitor who owes you money, whom you owe, and calculate interest with precision.
Screenshots
Verdict
The clearest difference is rating: Monibac at 2.8 against LendFlow's 1.0. Monibac also leads on ratings volume (87 vs 2). LendFlow's advantage is update cadence (every 2 weeks vs every 3 months). 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
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, LendFlow every 2 weeks. The most recent releases landed on November 7, 2026 and October 30, 2026 respectively.
| Parameter | Monibac | LendFlow |
|---|---|---|
| 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 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.5 | 15 — better |
| Further details — not scored | ||
| Size | 68 MB | 20 MB |
| Age rating | 17+ | 17+ |
| Developer | Prime Zone Limited | DEVLOOPS SOFTWARE NEPAL |
In-app purchases
Monibac
No in-app purchases
LendFlow
No in-app purchases
