AidaPay vs MoneyMaster PSB
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
AidaPay
Easily pay utility bills and purchase airtime and data bundles at affordable rates. This app offers fast, smooth, and reliable transactions for various services including cable TV subscriptions and electricity bills. Convert airtime to cash and become an agent to earn money.
- Purchase airtime and data bundles
- Pay utility bills (electricity, TV subscriptions)
- Convert airtime to cash
- Become an agent to resell services
- Instant discounts on purchases
- Support for all major Nigerian networks
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AidaPay is the easy way to buy cheap data and airtime and pay your bills in Nigeria. Top up MTN, Airtel, Glo and 9mobile, pay electricity and renew DStv, GOtv and StarTimes, all from one wallet. Scan to pay and send money with ScanPay, and earn cashback and rewards as you pay. CHEAP DATA AND AIRTIME • Cheap data bundles for MTN, Airtel, Glo and 9mobile: daily, weekly and monthly plans • Airtime top-up for every network, delivered in seconds • Save the numbers you top up most and buy again in two taps • Auto-renew your data, light or TV so it never runs out ELECTRICITY BILLS • Pay prepaid and postpaid electricity: IKEDC, EKEDC, AEDC, IBEDC, PHED, KEDCO, JED, BEDC and more • Get your meter token on screen and in your transaction history CABLE TV • Renew DStv, GOtv and StarTimes subscriptions in a few taps SCANPAY • Scan a QR code to pay and send money • Your own ScanPay account to receive money • Withdraw your ScanPay balance to your bank REWARDS • Cashback on your purchases • Refer & Earn: ₦500 for every friend who joins and makes their first purchase, and your friend gets 3,000 AidaPoints • AidaPoints, daily streaks, personal offers, games and predictions in the Reward Center SAFE AND SECURE • Every payment is approved with your PIN, Face ID or fingerprint • Two-factor sign-in with an authenticator app • See and remove the devices signed in to your account FOR AGENTS AND BUSINESSES • Bulk purchases for many numbers at once • Agent levels with bigger commissions on every sale Need help? Chat with Julie, our assistant, any time in the app, or email help@aidapay.ng. https://aidapay.ng/contact_us
MoneyMaster PSB
This digital banking app offers mobile wallets, savings, and current accounts for individuals and businesses. Manage funds, send money, pay bills, and purchase airtime/data conveniently.
- Mobile wallets
- Savings and current accounts
- Fund transfers
- Bill payments
- Airtime and data top-up
- Business payment solutions
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MoneyMaster Payment Service Bank (MMPSB) is a leading digital bank in Nigeria that offers a broad range of services that include mobile wallets, savings account, individual current account and business account. Through these accounts, our customers can deposit and withdraw funds, send money, buy airtime and data, purchase or renew cable TV subscriptions, and pay utility bills, such as electricity and water, all from the palm of your hand. We support businesses by offering them bespoke seamless payment solutions, tailored collection services and vendor payment management. Registration: • Glo Customers: Simply enter your active Glo phone number to get started; no additional documents are required. If you wish to increase your transaction limits, you can provide your BVN (Bank Verification Number) for further validation. • Non-Glo Customers: You can open an account by using the phone number registered in your BVN profile. Enter your BVN, and you're good to go. Both Glo and non-Glo customers must use their BVN phone number for BVN validation, whether for account opening or limit adjustments. Types of Accounts: • Glo Customers: You can open a tier-2 mobile wallet without the need for additional validation. After BVN validation, customers from all Mobile Money Operators (MMOs) can open Savings and Current accounts. Savings and Current accounts come with a mobile wallet and default Tier-3 transaction limits. You can customize your transaction limits in the App settings. Services: 1. Fund Your Account: • Via Mobile Banking App: Open your existing mobile banking app, select the "send" or "transfer funds" option, enter the recipient's phone number without the first '0' (e.g., 805557xxxx), choose 'MoneyMaster PSB' as the recipient bank, enter your PIN, and submit. • At a Gloworld Shop: Visit your nearest Gloworld shop and deposit cash at the cashier's desk to fund your wallet. 2. Send & Receive Money: You can send money to any bank account or mobile wallet in Nigeria by providing the beneficiary's bank account number and bank name. To receive funds, simply share your phone number without the first zero as your account number. Alternatively, you can share your 10-digit savings or current account number (NUBAN) with the sender. 3. Withdraw Cash: To withdraw cash, visit your nearest Gloworld location. From your app, select 'withdraw,' enter the 6-digit agent code displayed at the cashier's desk, specify the amount, input your Transaction PIN, and you're done. Collect your cash from the cashier. 4. Buy Airtime & Data: You can purchase airtime for any mobile network operator in Nigeria and buy data packs directly from the app. We provide a pop-up menu for easy selection of data bundles for each operator. 5. Cable TV: Access the cable TV icon on the app, choose your service provider, select your plan, enter your customer ID (smartcard number), and submit. 6. Electricity: Navigate to the electricity icon on the app's homepage, select your biller, enter your meter number, specify the amount, input your PIN, and submit. For added convenience, you can save beneficiaries for future transactions. Check your most recent or historical transactions through the 'Transaction' button in the app's footer menu. To learn more about MoneyMaster PSB , please visit our website (https://moneymasterpsb.com/) or follow us on social media: • Facebook: https://www.facebook.com/profile.php?id=61552839581320&mibextid=LQQJ4d • Twitter: https://twitter.com/Moneymasterpsb • Instagram: https://www.instagram.com/moneymasterpsb/
Screenshots
Verdict
The clearest difference is review sentiment: AidaPay at 71% against MoneyMaster PSB's 29%. AidaPay also leads on rating (4.1 vs 2.1) and update cadence (every 5 days vs every 2 months). On price, ads, in-app purchases and monetization model 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
AidaPay holds the better App Store score, 4.1 against 2.1. That said, the two scores are not equally well evidenced: AidaPay has 519 ratings behind it against 24, so its average is the more settled of the two. Written reviews point the same way: 71% of AidaPay's written reviews are positive against 29% of MoneyMaster PSB's.
AidaPay ships an update every 5 days, MoneyMaster PSB every 2 months. The most recent releases landed on November 3, 2026 and November 4, 2026 respectively.
| Parameter | AidaPay | MoneyMaster PSB |
|---|---|---|
| Price | Free | Free |
| Rating | 4.1 (519 ratings) — better | 2.1 (24 ratings) |
| Positive reviews | 71.2% of reviews — better | 28.6% of reviews |
| Number of ratings | 519 — better | 24 |
| Update frequency | Every 5 days — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.5 | 15.1 — better |
| Further details — not scored | ||
| Size | 165 MB | 60 MB |
| Age rating | 4+ | 17+ |
| Developer | ToomaIQ Ltd | MoneyMaster Payment Service Bank Limited |
Customer experience
AidaPay
MoneyMaster PSB
Bugs and requests
AidaPay
Reported bugs
3 issues- Login issues
- Delayed data activation
- App crashes
Requested features
3 requests- Add withdrawal option
- Improve network coverage
- Introduce more affordable data plans
MoneyMaster PSB
Not enough reviews yet to summarise bugs or requests.
In-app purchases
AidaPay
No in-app purchases
MoneyMaster PSB
No in-app purchases








