Monibac vs DSub
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
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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.
DSub
This app offers a streamlined way to purchase affordable mobile data, recharge airtime, and pay various utility bills. Users can also earn cashback and referral commissions, making it a versatile tool for staying connected and managing expenses.
- Buy cheap data bundles
- Recharge airtime instantly
- Pay electricity bills
- Renew cable TV subscriptions
- Buy exam registration pins
- Earn money via agent program
- Secure transactions
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DSUB is Nigeria's smartest way to buy cheap data, recharge airtime, pay bills, and earn money — all from one app. Whether you're a student, a busy professional, or a full-time VTU agent, DSUB pays you to stay connected. WHY CHOOSE DSUB • Cheap data bundles from as low as ₦230 per GB • Up to 5% cashback on every transaction • Earn lifetime referral commissions when your friends use the app • Instant delivery — most transactions complete in seconds • 24/7 in-app and email customer support BUY CHEAP DATA — ALL NETWORKS Get the cheapest data bundles on every major Nigerian network: • MTN data plans — SME, gifting, awoof, daily, weekly, monthly • Airtel data bundles — corporate, gifting and direct plans • Glo data — affordable big data for heavy users • 9mobile (Etisalat) data — flexible bundles for every budget No hidden fees, no failed transactions, no stress. RECHARGE AIRTIME INSTANTLY Top up airtime in seconds on MTN, Airtel, Glo, and 9mobile — for yourself or any saved beneficiary. One-tap recharge for frequent numbers. PAY ELECTRICITY BILLS — EVERY DISCO IN NIGERIA Pay your electricity bill and receive your token instantly: • Ikeja Electric (IKEDC) • Eko Electric (EKEDC) • Abuja Electric (AEDC) • Ibadan Electric (IBEDC) • Port Harcourt Electric (PHED) • Kano Electric (KEDCO) • Jos Electric (JED) • Enugu Electric (EEDC) • Kaduna Electric (KAEDCO) • Benin Electric (BEDC) • Yola Electric (YEDC) Both prepaid and postpaid meters fully supported. CABLE TV SUBSCRIPTIONS Renew or activate your subscription with no markup: • DSTV • GOTV • Startimes • Showmax Smartcard verification built in — never pay for the wrong package. BUY EXAM REGISTRATION PINS Skip the bank queue. Buy result-checker pins and registration PINs instantly: • WAEC • JAMB • NECO • NABTEB EARN MONEY WITH DSUB AGENT PROGRAM DSUB is more than a VTU app — it's a business. Upgrade to Agent status and unlock: • Higher commissions on every data, airtime and bill purchase • Bulk-buying tools for resellers • Lifetime referral commissions on every friend you invite • Monthly leaderboard prizes for top earners • Daily login bonuses Withdraw your earnings directly to any Nigerian bank account, anytime. WALLET FUNDING MADE EASY Fund your DSUB wallet using: • Bank transfer (powered by Monnify) • Debit or credit card • USSD from any Nigerian bank • Direct payment from supported banks Move earnings to your spendable wallet or cash out to your bank account. SECURITY YOU CAN TRUST • Transaction PIN protection on all purchases • Biometric login (Face ID and Touch ID) • Email + BVN/NIN KYC verification • Real-time login alerts and device-change protection WHO DSUB IS FOR • Students who want cheaper data for school and social media • Side hustlers and full-time data resellers (VTU agents) • Small businesses paying utility bills monthly • Parents buying WAEC, JAMB, and NECO pins for their kids • Anyone tired of paying high prices for airtime and data Download DSUB today and join thousands of Nigerians saving money and earning rewards on every recharge, bill payment, and data top-up. Need help? Reach us in-app or email support@dsub.ng Terms of Use : https://dsub.ng/terms Privacy Policy : https://dsub.ng/privacy Refund Policy: https://dsub.ng/refund
Screenshots
Verdict
The clearest difference is rating: DSub at 5.0 against Monibac's 2.8. DSub also leads on monetization model (free vs free with in-app purchases). Monibac's advantage is ratings volume (87 vs 1). 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.
DSub 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 1, so its average is the more settled of the two.
| Parameter | Monibac | DSub |
|---|---|---|
| Price | Free | Free |
| Rating | 2.8 (87 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 17.9% of reviews | — |
| Number of ratings | 87 — better | 1 |
| Update frequency | Every 3 months | — |
| 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 | 15.0 — better |
| Further details — not scored | ||
| Size | 68 MB | 37 MB |
| Age rating | 17+ | 4+ |
| Developer | Prime Zone Limited | Ogie Communication And General Services |
Customer experience
Monibac
DSub
In-app purchases
Monibac
No in-app purchases
DSub
No in-app purchases









