# Neocash Mobile vs THYNKPAY

The clearest difference is review sentiment: THYNKPAY at 100% against Neocash Mobile's 14%. THYNKPAY also leads on rating (5.0 vs 3.7) and monetization model (free vs ad-supported). Neocash Mobile's advantage is ratings volume (6 vs 1). On price, ads, in-app purchases and device support there is nothing between them.

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

THYNKPAY holds the better App Store score, 5.0 against 3.7. That said, the two scores are not equally well evidenced: Neocash Mobile has 6 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 14% of Neocash Mobile's written reviews are positive against 100% of THYNKPAY's.

Neocash Mobile ships an update every 3 weeks, THYNKPAY every 9 days. The most recent releases landed on October 24, 2026 and October 14, 2026 respectively.

## The numbers

| Metric | Neocash Mobile | THYNKPAY |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.7 (6 ratings)](https://appshunter.io/ios/app/neocash-mobile/id6444277601/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/thynkpay/id6760615518/reviews)** |
| Number of ratings | **6** | 1 |
| Positive reviews | 14.3% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 9 days** |
| Monetization | Ad-supported | **Free** |
| Size | 159 MB | 36 MB |
| Requires iOS | 15.6 | **15.1** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [Shephard Trust Bank](https://appshunter.io/developer/1653545557) | [THYNKPAY Limited](https://appshunter.io/developer/1019547700) |

## What reviewers say

### Neocash Mobile

[App page](https://appshunter.io/ios/app/neocash-mobile/id6444277601)

This app provides quick and easy access to personal loans for Lagos State residents. Apply for amounts between ₦5,000 and ₦5,000,000 with flexible repayment terms and no collateral required for most loans. Funds are credited upon approval.

**Highlights:** Loan amounts from ₦5,000 to ₦5,000,000, Flexible repayment periods, Fast loan approval and disbursement, No collateral or guarantor needed, Secure and reliable loan service, Human-touch digital banking

**Features:** Vision Pro support

**In-app purchases:** none


### THYNKPAY

[App page](https://appshunter.io/ios/app/thynkpay/id6760615518)

This app facilitates instant payments and receipts using QR codes, eliminating the need for card numbers or bank details. It offers real-time transaction updates, wallet funding, and enhanced security features for users in Nigeria.

**Highlights:** QR code payments (scan or display), Real-time balance and transaction updates, Push notifications for payments, Biometric security (Face ID/Fingerprint), Wallet funding and KYC verification, Transaction history search and filters, Receipt sharing

**In-app purchases:** none


## Frequently asked questions

### Is Neocash Mobile free?

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

### Is THYNKPAY free?

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

### Which has better reviews, Neocash Mobile or THYNKPAY?

THYNKPAY is rated higher. Neocash Mobile averages 3.7 out of 5 from 6 ratings, while THYNKPAY averages 5.0 from 1 ratings.

### Do Neocash Mobile or THYNKPAY have ads?

Neither Neocash Mobile nor THYNKPAY shows ads.

### Which is updated more often, Neocash Mobile or THYNKPAY?

Neocash Mobile ships an update every 3 weeks, and THYNKPAY every 9 days. Most recently, Neocash Mobile was updated on October 24, 2026 and THYNKPAY on October 14, 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.*