Comparison

Speso vs Pinspay

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

Head to head
About

Speso

Send and receive money instantly and securely with friends, family, and businesses. This app facilitates fast, simple, and safe transactions for payments, transfers, and finding skilled professionals.

Highlights
  • Instant transfers to mobile wallets and banks
  • Secure business payments
  • Find and pay artisans
  • In-app chat for support
  • Bank-grade security and encryption
Features
Read full description

Speso helps you send and receive money from friends, family, and businesses — instantly and securely. Whether you’re paying a vendor, sending money to a loved one, or finding skilled artisans, Speso makes every transaction fast, simple, and safe. Key Features - Send Money to MoMo & Banks – Instantly transfer money to any mobile wallet or bank account. - Pay Your Favourite Businesses – Make quick and secure payments to trusted merchants and service providers. - Chat with Friends & Support – Stay connected, share updates, and get instant assistance. - 100% Secure – Enjoy reliable transactions powered by bank-grade security and encryption.

About

Pinspay

Features
Read full description

Pinspay is a trusted financial services platform in Nigeria, providing fast, secure, and affordable solutions for your everyday payment needs. With Pinspay, you can: • Instantly send and receive money with seamless, reliable transfers. • Easily pay bills and recharge airtime or data while enjoying special bonuses. • Grow your savings effortlessly with friends using our group contributions feature. Experience convenience, savings, and rewards all in one place. Invite your friends and earn instant cashback for every successful referral. Create your Pinspay account today and take a step toward financial freedom. INSTANT, TROUBLE-FREE TRANSFERS ● Say goodbye to failed transactions and network delays. Enjoy smooth and rapid money transfers. ● Send funds using either a phone number or bank account—even to people who don't use Pinspay. ● Connected to all major Nigerian banks like Access Bank, Zenith Bank, GTBank, UBA, Ecobank, First Bank, and more, ensuring a secure and dependable banking experience. ● Stay on top of your finances by easily viewing all transactions in your "Transaction History." TOP DEALS ON AIRTIME, DATA, AND BILL PAYMENTS ● Recharge your MTN, Airtel, Glo, and 9Mobile lines with some of the best deals available. ● Pay for electricity, TV subscriptions, water services, internet bills, and more without hassle.

Screenshots

Speso4 screens
Pinspay4 screens

Verdict

The call

The clearest difference is update cadence: Speso at every 10 days against Pinspay's monthly. 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

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

Speso ships an update every 10 days, Pinspay monthly. The most recent releases landed on October 7, 2026 and October 13, 2026 respectively.

Scorecard1 real difference · 9 level
Speso versus Pinspay: the parameters behind the verdict, then further details
ParameterSpesoPinspay
PriceFreeFree
Rating5.0 (3 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings3 — better—
Update frequencyEvery 10 days — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationAd-supported—
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.0 — better15.6
Further details — not scored
Size97 MB31 MB
Age rating17+4+
DeveloperSpeso Technologies LimitedPINSPAYMENT TECH LTD

In-app purchases

None

Speso

No in-app purchases

None

Pinspay

No in-app purchases

Questions

Is Speso free?
Speso is free to download, with no in-app purchases.
Is Pinspay free?
Pinspay is free to download, with no in-app purchases.
Do Speso or Pinspay have ads?
Neither Speso nor Pinspay shows ads.
Which is updated more often, Speso or Pinspay?
Speso ships an update every 10 days, and Pinspay monthly. Most recently, Speso was updated on October 7, 2026 and Pinspay on October 13, 2026.

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