Comparison

KrillPay vs 78 MFB

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

KrillPay

This app provides a digital wallet and financial services for migrants and the unbanked. It allows users to open an FDIC-insured account with just a valid ID, receive payments, send money internationally, and make purchases using a debit card.

Highlights
  • Open digital account with valid ID
  • Receive direct deposits
  • Send money internationally
  • Scan to pay at merchants
  • Use branded debit card
  • Borderless money transfers
Features
Read full description

KrillPay – Borderless Digital Wallet for Migrants. Migrants in the U.S. face documentation barriers that prevent them from opening a bank account. In Africa, millions remain unbanked because the nearest bank branch is miles away. Without a bank account, migrants and the unbanked are left financially invisible, unable to fully participate in the global economy. KrillPay closes this gap. By partnering with banks and leveraging Open Banking APIs, KrillPay extends financial access to those traditional banks cannot reach. With low-barrier onboarding, all you need is a valid ID—not a Social Security Number—to unlock a full-featured digital account. What you can do with KrillPay: • Open a Digital Account Instantly – Create an FDIC-insured virtual account using just your driver’s license, passport, or biometric ID. • Get Paid Seamlessly – Receive direct deposits from your employer or transfer funds into your KrillPay wallet. • Send Money Across Borders – Transfer funds instantly between the U.S. and Nigeria, or within your local community. • Pay & Get Paid Anywhere – Use your Krilltag to send and receive money instantly from friends and family. • Scan to Pay – Make fast and secure payments at supported merchants. • Spend Freely – Use your KrillPay-branded debit card to shop online, pay bills, and withdraw cash at ATMs. Why KrillPay? • Inclusive: Designed for migrants and underserved users who are often denied access to traditional banking. • Simple: Onboard with just one form of ID—no SSN required. • Borderless: Move money across countries or within your community instantly. • Secure: Powered by Open Banking APIs, blockchain, and bank-grade compliance. KrillPay is more than just money transfers, it’s a finance app built for the future of financial inclusion.

About

78 MFB

Manage your finances with a global banking app. Open savings and current accounts, make swift money transfers, and pay bills effortlessly. Schedule payments in advance and handle bulk transactions with ease.

Highlights
  • Savings and Current Accounts
  • Swift Money Transfers
  • Effortless Bills Payment
  • Scheduled Payments
  • Bulk Payments
Features
Read full description

Welcome to 78 MFB – One global bank, every way your money moves! * Unlock Savings and Current Accounts * Swift Money Transfers * Effortless Bills Payment. * Never Miss a payment: schedule it and forget it! * Bulk Payments Made Easy We require location update capability to set up geofences around the designated location. This enables us to receive location updates in the background whenever the users enter or exit their created digital addresses. Over time, we can verify residency.

Screenshots

KrillPay4 screens
78 MFB4 screens

Verdict

The call

The clearest difference is review sentiment: KrillPay at 100% against 78 MFB's 53%. KrillPay also leads on rating (4.8 vs 3.8) and iOS requirement (12.1 vs 15.6). 78 MFB's advantage is ratings volume (38 vs 5). On price, update cadence, ads and in-app purchases 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

KrillPay holds the better App Store score, 4.8 against 3.8. That said, the two scores are not equally well evidenced: 78 MFB has 38 ratings behind it against 5, so its average is the more settled of the two. Written reviews point the same way: 100% of KrillPay's written reviews are positive against 53% of 78 MFB's.

UpkeepUpdate frequency

KrillPay ships an update weekly, 78 MFB every 9 days. The most recent releases landed on October 3, 2026 and October 14, 2026 respectively.

Scorecard4 real differences · 6 level
KrillPay versus 78 MFB: the parameters behind the verdict, then further details
ParameterKrillPay78 MFB
PriceFreeFree
Rating4.8 (5 ratings) — better3.8 (38 ratings)
Positive reviews100.0% of reviews — better52.9% of reviews
Number of ratings538 — better
Update frequencyWeekly — betterEvery 9 days
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS12.1 — better15.6
Further details — not scored
Size53 MB124 MB
Age rating17+12+
DeveloperKrillpayBLAAIZ INNOVATIONS TECHNOLOGY LTD

Customer experience

KrillPay

All ratings5 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews4 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

78 MFB

All ratings38 ratings
Positive65.8%
Neutral10.5%
Negative23.7%
Written reviews17 reviews
Positive52.9%
Neutral0.0%
Negative47.1%

In-app purchases

None

KrillPay

No in-app purchases

None

78 MFB

No in-app purchases

Questions

Is KrillPay free?
KrillPay is free to download, with no in-app purchases.
Is 78 MFB free?
78 MFB is free to download, with no in-app purchases.
Which has better reviews, KrillPay or 78 MFB?
KrillPay is rated higher. KrillPay averages 4.8 out of 5 from 5 ratings, while 78 MFB averages 3.8 from 38 ratings.
Do KrillPay or 78 MFB have ads?
Neither KrillPay nor 78 MFB shows ads.
Which is updated more often, KrillPay or 78 MFB?
KrillPay ships an update weekly, and 78 MFB every 9 days. Most recently, KrillPay was updated on October 3, 2026 and 78 MFB on October 14, 2026.

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