Comparison

Kacha Customer vs Milkii

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

Head to head
About

Kacha Customer

This digital platform offers seamless financial services in Ethiopia, including mobile money, bill payments, remittances, and merchant payments. It aims to promote financial inclusion and empower underserved populations with convenient, affordable, and secure digital financial solutions.

Highlights
  • Mobile money services
  • Bill payments
  • Remittances
  • Merchant payments
  • Financial inclusion
  • Secure digital transactions
Features
Read full description

Kacha Digital Financial Service S.C. is a premier digital platform that provides seamless financial services in Ethiopia. We are the first private payment instrument issuer licensed by the National Bank of Ethiopia, registered as NPS/PII/002/2022. Our goal is to promote financial inclusion and contribute to Ethiopia's national digitalization ambitions. Our digital platform offers mobile money, bill payments, remittances, and merchant payments, making financial services accessible to all Ethiopians, especially those who are underserved and unserved. We are committed to empowering our customers by providing them with convenient, affordable, and secure digital financial services that meet their everyday needs. At Kacha, we are passionate about driving positive change and creating value for our customers, employees, and society as a whole. We are proud to be part of Ethiopia's digital transformation and are committed to playing our role in achieving the country's economic and social development goals. Thank you for choosing Kacha Digital Financial Service S.C. as your financial services provider.

About

Milkii

This mobile app provides quick cash loans, asset financing, and airtime loans with transparent terms and flexible repayment options. It offers a simple interest formula for loan costs and a maximum APR of 10%. Users can also make merchant payments easily.

Highlights
  • Cash loans
  • Asset financing
  • Airtime loans
  • Merchant payments
  • Flexible repayment terms
  • Transparent pricing
  • Simple interest formula
Features
Read full description

Mobile micro-loan application in Ethiopia, brought to you by Oromia Bank. Milkii offers cash loans, asset financing, airtime loans, and merchant loans with transparent terms and flexible repayment options. Key Features: Flexible Repayment Terms: Choose from repayment periods ranging from 30 to 180 days, allowing you to repay at your convenience. Transparent Pricing: We use a simple interest formula to calculate loan costs, ensuring full transparency in fees and interest rates. Maximum APR: Our loans have a maximum Annual Percentage Rate (APR) of 10%. We are committed to providing affordable lending solutions. Representative Loan Example: Cash Loan - Milkii Loan Amount: 500 ETB Total Charges: 50 ETB Total Interest: 0 ETB Repayment Period: 30 days Frequency: Monthly Airtime Loan - Milkii Airtime Loan Amount: 25 ETB Total Charges: 0 ETB Total Interest: 0 ETB Repayment Period: 30 days Frequency: Monthly Merchant Payments: Easily pay for goods at Milkii and SantimPay merchants using your loan, enhancing your shopping experience. Commitment to Transparency: At Oromia Bank, we believe in empowering our customers with clear information about loan quality, features, fees, risks, and benefits. We are dedicated to helping you make informed financial decisions.

Screenshots

Kacha Customer4 screens
Milkii4 screens

Verdict

The call

The clearest difference is update cadence: Milkii at fortnightly against Kacha Customer's every 6 weeks. On price, rating, ratings volume and ads 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.

ReceptionRating · Positive reviews · Number of ratings

Milkii holds the better App Store score, 4.8 against 4.6. Both are backed by a comparable volume of ratings — 10 and 4 respectively.

UpkeepUpdate frequency

Kacha Customer ships an update every 6 weeks, Milkii fortnightly. Both last shipped on October 24, 2026.

Scorecard1 real difference · 9 level
Kacha Customer versus Milkii: the parameters behind the verdict, then further details
ParameterKacha CustomerMilkii
PriceFreeFree
Rating4.6 (10 ratings)4.8 (4 ratings) — better
Positive reviews0.0% of reviews—
Number of ratings10 — better4
Update frequencyEvery 6 weeksFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS14.013.0 — better
Further details — not scored
Size75 MB54 MB
Age rating17+4+
DeveloperKACHA DIGITAL FINANCIAL SERVICES SHARE COMPANYOROMIA INTERNATIONAL BANK

Customer experience

Kacha Customer

All ratings6 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Milkii

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Kacha Customer

No in-app purchases

None

Milkii

No in-app purchases

Questions

Is Kacha Customer free?
Kacha Customer is free to download, with no in-app purchases.
Is Milkii free?
Milkii is free to download, with no in-app purchases.
Which has better reviews, Kacha Customer or Milkii?
Milkii is rated higher. Kacha Customer averages 4.6 out of 5 from 10 ratings, while Milkii averages 4.8 from 4 ratings.
Do Kacha Customer or Milkii have ads?
Neither Kacha Customer nor Milkii shows ads.
Which is updated more often, Kacha Customer or Milkii?
Kacha Customer ships an update every 6 weeks, and Milkii fortnightly. Most recently, Kacha Customer was updated on October 24, 2026 and Milkii on October 24, 2026.

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