Comparison

NearPays vs EBSPay Mobile

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

Head to head
About

NearPays

Manage your finances, make payments, and save effortlessly with this all-in-one financial app. It allows online shopping, money transfers, bill payments, and virtual card usage. Earn interest on savings and receive payments instantly.

Highlights
  • Virtual accounts management
  • Send and receive money
  • Virtual dollar card for global spending
  • USD/NGN savings with 2% monthly interest
  • USSD and Virtual POS payments
  • Bill payment for major providers
  • Airtime and data purchase
Features
Read full description

About this app Mobile Banking. Save. Virtual Dollar Card. Virtual POS. Bill Payment. Join thousands of satisfied users who trust Nearpays to manage their finances, make payments, and save effortlessly. Nearpays is your all-in-one financial app, enabling you to shop online, send money, pay bills, save, and receive payments—all from the convenience of your phone. 1. Virtual Accounts Easily manage and operate your virtual accounts with Nearpays. Receive and transfer funds securely, with full control over your transactions. 2. Send and Receive Money Send and receive money quickly and securely to friends, family, and business partners. With our advanced encryption technology, your transactions are always safe. 3. Spend Globally with Virtual Dollar Card Access global markets effortlessly with our virtual dollar card. Make online purchases, pay for subscriptions, and manage your international transactions seamlessly. 4. USD/NGN Savings Save in USD or NGN and earn competitive interest rates. Nearpays helps you build healthy savings habits with 2% monthly interest on your savings, ensuring your financial goals are within reach. 5. USSD Payments Receive payments with ease using our in-app USSD feature. Generate a code and get paid instantly, even without an internet connection. 6. Virtual POS Accept card payments directly from your phone with Nearpays Virtual POS. Activate your NFC feature and receive payments in seconds—no additional hardware is needed. 7. Bill Payment Pay all your bills effortlessly using Nearpays. We support payments for major electricity providers, including Abuja DISCO, Benin DISCO, EKEDC, Enugu DISCO, Ibadan DISCO, IKEDC, Kaduna prepaid & postpaid, Kano DISCO, PHC DISCO, and Yola DISCO. 8. Airtime and Data Purchase Buy airtime and data for yourself and your loved ones. We support MTN, GLO, Airtel, and 9mobile, making it easy to stay connected. 9. Get Notified Instantly Receive instant notifications for all your transactions, helping you stay on top of your finances. Security You Can Trust Nearpays is PCI DSS certified, offering you peace of mind with every transaction. Our app employs top-tier encryption to keep your data and transactions secure.

About

EBSPay Mobile

Features
Read full description

EBSPay is a next-generation digital platform designed to bridge the gap between connectivity and convenience. We believe that buying airtime, data, and paying bills should be instantaneous and stress-free. Whether you are an individual user looking for speed, or a merchant looking to grow your business margin, our platform is engineered to serve you with reliability at its core.

Screenshots

NearPays4 screens
EBSPay Mobile4 screens

Verdict

The call

The clearest difference is update cadence: EBSPay Mobile at every 3 days against NearPays's weekly. 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

NearPays ships an update weekly, EBSPay Mobile every 3 days. The most recent releases landed on October 10, 2026 and October 1, 2026 respectively.

Scorecard1 real difference · 9 level
NearPays versus EBSPay Mobile: the parameters behind the verdict, then further details
ParameterNearPaysEBSPay Mobile
PriceFreeFree
Rating3.1 (14 ratings) — better—
Positive reviews45.5% of reviews—
Number of ratings14 — better—
Update frequencyWeeklyEvery 3 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.515.1 — better
Further details — not scored
Size52 MB27 MB
Age rating17+4+
DeveloperYourRider LimitedAL-KAREEM JORDAN AROGUNDADE

In-app purchases

None

NearPays

No in-app purchases

None

EBSPay Mobile

No in-app purchases

Questions

Is NearPays free?
NearPays is free to download, with no in-app purchases.
Is EBSPay Mobile free?
EBSPay Mobile is free to download, with no in-app purchases.
Do NearPays or EBSPay Mobile have ads?
Neither NearPays nor EBSPay Mobile shows ads.
Which is updated more often, NearPays or EBSPay Mobile?
NearPays ships an update weekly, and EBSPay Mobile every 3 days. Most recently, NearPays was updated on October 10, 2026 and EBSPay Mobile on October 1, 2026.

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