Kacha Customer vs Milkii
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Mobile money services
- Bill payments
- Remittances
- Merchant payments
- Financial inclusion
- Secure digital transactions
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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.
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.
- Cash loans
- Asset financing
- Airtime loans
- Merchant payments
- Flexible repayment terms
- Transparent pricing
- Simple interest formula
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
Kacha Customer ships an update every 6 weeks, Milkii fortnightly. Both last shipped on October 24, 2026.
| Parameter | Kacha Customer | Milkii |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (10 ratings) | 4.8 (4 ratings) — better |
| Positive reviews | 0.0% of reviews | — |
| Number of ratings | 10 — better | 4 |
| Update frequency | Every 6 weeks | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 14.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 75 MB | 54 MB |
| Age rating | 17+ | 4+ |
| Developer | KACHA DIGITAL FINANCIAL SERVICES SHARE COMPANY | OROMIA INTERNATIONAL BANK |
Customer experience
Kacha Customer
Milkii
In-app purchases
Kacha Customer
No in-app purchases
Milkii
No in-app purchases







