Comparison

CashWise vs Mkobo

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

Head to head
About

CashWise

Easily track your spending and income with this cash-book style finance app. Organize your finances into categories, view detailed breakdowns, and generate monthly statements. Upgrade for advanced features like annual statements and CSV imports.

Highlights
  • Cash-book style expense tracking
  • Categorize and break down spending
  • Generate monthly PDF statements
  • Secure encrypted vault
  • Export and import financial data
  • Demonstration mode for trying Pro features
Features
Read full description

CashWise is an easy-to-use cash-book style app, designed to help you look after your money with minimal fuss. Simply record what you spend when you spend it, and CashWise will keep track of how much money you have left. Keep track of the cash in your pocket, your savings or your debt, in any currency. CATEGORIES Get super-organised by arranging your finances into categories, then view or print them with summary totals and pie charts. BREAKDOWN A detailed breakdown lets you quickly see what you have spent money on. And with a quick search, you can view and change any transaction. STATEMENTS View and send monthly PDF statements by email, or upgrade to CashWise Pro (via a single in-app purchase) to produce annual statements and print directly to an AirPrint enabled printer. EXPORT & IMPORT Export all your financial information whenever you want, or Go Pro for the ability to export your data on a monthly or annual basis and import data from CSV files. SECURITY Your financial details are kept safe in an encrypted vault using state-of-the-art 256-bit AES encryption, simply set a passcode to restrict access. FREE vs PRO CashWise is a free app, and all the basic features will remain free forever - that is a promise. Go Pro and you can unlock all the Pro features with a single in-app purchase to: • Manage your money across several accounts at once (one account is included free). • Create recurring transactions. • Completely customise your categories (built-in categories are included free). • View an annual breakdown of your transactions (monthly breakdown is included free). • Export your financial data on a monthly or annual basis (full export is included free). • Import data from CSV files. • Produce annual PDF statements (monthly statements are included free) • Print a statement direct to an AirPrint enabled printer (emailing statements is included free) • Turn off adverts. TRY-BEFORE-YOU-BUY Try all the Pro features for free before you upgrade by using the built-in 'demonstration mode'. This also lets you show off CashWise to others without revealing your finances. NEED HELP? If you need help or want to make a suggestion, just drop us an email and we'll do our best — BeCashWise.com/Help - Be CashWise

About

Mkobo

This neo-bank offers fair, simple, and affordable financial services to underserved populations. It provides interest on balances, free transfers, and cashback rewards, aiming to help users achieve their financial goals.

Highlights
  • Interest on balances
  • 30 free transfers monthly
  • Savings growth with Mkolo
  • No account maintenance fees
  • Bill payments with no extra cost
  • Cashback on airtime and data
Features
Read full description

Mkobobank is a neo-bank providing financial services that is fair, simple, and affordable to the underserved demography which will ultimately help to realise your dreams your. Download the Mkobobank app today Why Mkobobank? - Fairplay - Enjoy our Fairplay promise - say goodbye to those unfair bank charges! You earned the money and you deserve to keep it! - Interest on balances - Earn daily interest on your sitting balance! - Free Transfers - Get 30 Free transfers monthly! Thats 1 per day! - Mkolo - Grow your savings with Mkolo earn great return on your savings. - 0 Charges - NO account maintenance, NO minimum balance! - Bill payments - Pay for airtime, Electricity bill, Internet Data Subscription, etc at no extra cost. - Cash backs - Enjoy cashback on airtime and data subscription How to get started - Download the Mkobobank app - Sign up and create your bank account - Update and complete your profile - Upgrade to tier 2 or 3 by providing the required KYC. Enjoy fairplay banking Mkobobank - “Every Kobo Counts” Security Mkobo takes your security very seriously. We use highly bank-grade encryption to secure your personal data Regulatory Mkobo.bank is owned and managed by Mkobo Microfinance Bank Limited which is fully licensed by the Central Bank of Nigeria (CBN). All Customer deposits are protected by the Nigeria Deposit Insurance Corporation (NDIC). Get in Touch You can always reach us via the following channels: Social media: @mkobobank on Instagram, Twitter, LinkedIn, and Facebook. Email address - help@mkobo.com.ng Website - https://mkobo.bank We’d love to hear from you!

Screenshots

CashWise4 screens
Mkobo4 screens

Verdict

The call

The clearest difference is rating: CashWise at 4.9 against Mkobo's 3.6. CashWise also leads on iOS requirement (13.0 vs 15.6). Mkobo's advantage is in-app purchases (none vs 1) and ads (none vs shown). On price, ratings volume 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. CashWise sells 1 one-off in-app purchase. Mkobo asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

CashWise holds the better App Store score, 4.9 against 3.6. Both are backed by a comparable volume of ratings — 9 and 7 respectively. Written reviews complicate that: 77% of CashWise's written reviews are positive against 100% of Mkobo's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

CashWise ships an update every 5 months, Mkobo every 9 days. The most recent releases landed on October 4, 2026 and October 3, 2026 respectively.

Scorecard7 real differences · 3 level
CashWise versus Mkobo: the parameters behind the verdict, then further details
ParameterCashWiseMkobo
PriceFreeFree
Rating4.9 (9 ratings) — better3.6 (7 ratings)
Positive reviews76.9% of reviews100.0% of reviews — better
Number of ratings9 — better7
Update frequencyEvery 5 monthsEvery 9 days — better
AdsYesNo — better
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS13.0 — better15.6
Further details — not scored
Size8 MB77 MB
Age rating4+17+
DeveloperAdam WasiakMKOBO Microfinance Bank

Customer experience

CashWise

All ratings9 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews13 reviews
Positive76.9%
Neutral7.7%
Negative15.4%

Mkobo

All ratings7 ratings
Positive71.4%
Neutral0.0%
Negative28.6%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

1 purchases

CashWise

One-time1
  • CashWise Pro$9.99
None

Mkobo

No in-app purchases

Questions

Is CashWise free?
CashWise is free to download, with in-app purchases available.
Is Mkobo free?
Mkobo is free to download, with no in-app purchases.
Which has better reviews, CashWise or Mkobo?
CashWise is rated higher. CashWise averages 4.9 out of 5 from 9 ratings, while Mkobo averages 3.6 from 7 ratings.
Do CashWise or Mkobo have ads?
CashWise shows ads; Mkobo does not.
Which is updated more often, CashWise or Mkobo?
CashWise ships an update every 5 months, and Mkobo every 9 days. Most recently, CashWise was updated on October 4, 2026 and Mkobo on October 3, 2026.

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