Comparison

Kacha Customer vs M

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

M

Access financial services in Ethiopia with this fast and inclusive mobile application. Send money, pay bills, buy airtime, and enjoy rewards, all with a simple interface that uses low data and storage.

Highlights
  • Send money to any bank or mobile money provider
  • Buy airtime instantly
  • Pay bills for utilities and TV
  • Scan QR codes to pay merchants
  • Transaction history tracking
  • Spin the wheel for transaction rewards
  • Access overdraft facilities
Features
Read full description

M-PESA Lehulum – Fast. Inclusive. Rewarding. Welcome to M-PESA Lehulum – a lighter, faster, and more inclusive way to access financial services in Ethiopia. Whether you use a Safaricom SIM or not, you can now enjoy the convenience of M-PESA – available to everyone, everywhere in Ethiopia. Why M-PESA Lehulum? • Any Ethiopian SIM Card: Anyone can sign up and start transacting – all you need is an Ethiopian phone number. • Simple & Fast: A clean, clutter-free design built for speed and ease of use. • Low Data, Small Size: Save space and data while enjoying powerful features. Top Features • Simple Home Screen – Designed for everyday convenience. • Spin the Wheel Rewards – Win rewards every time you complete a transaction. • Send Money Anywhere – To any banks, M-PESA, mobile money providers, and more financial institutions. • Buy Airtime – Recharge for yourself or others in seconds. • Never be out of balance – Transact on M-PESA and access overdraft facilities. • Pay Bills – Electricity, water, TV and more – all in one place. • Scan to Pay – Instantly scan QR codes to pay at merchants nationwide. • Transaction History – View and track all your payments and transfers easily. Made for Everyone M-PESA Lehulum is for anyone who wants fast, secure, and reliable digital financial services – on any Ethiopian telephone network. Download M-PESA Lehulum today – because everyone deserves access to trusted, simple and rewarding financial services.

Screenshots

Kacha Customer4 screens
M4 screens

Verdict

The call

The clearest difference is rating: Kacha Customer at 4.6 against M's 2.5. On price, review sentiment, ratings volume and update cadence 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

Kacha Customer holds the better App Store score, 4.6 against 2.5. Both are backed by a comparable volume of ratings — 10 and 8 respectively. Written reviews split almost evenly too, at 0% and 0% positive.

UpkeepUpdate frequency

Kacha Customer ships an update every 6 weeks, M every 3 months. The most recent releases landed on November 3, 2026 and October 31, 2026 respectively.

Scorecard1 real difference · 9 level
Kacha Customer versus M: the parameters behind the verdict, then further details
ParameterKacha CustomerM
PriceFreeFree
Rating4.6 (10 ratings) — better2.5 (8 ratings)
Positive reviews0.0% of reviews0.0% of reviews
Number of ratings10 — better8
Update frequencyEvery 6 weeks — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS14.013.0 — better
Further details — not scored
Size75 MB72 MB
Age rating17+17+
DeveloperKacha Digital Financial ServicesSafaricom Telecommunications Ethiopia Plc

Customer experience

Kacha Customer

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

M

All ratings8 ratings
Positive37.5%
Neutral0.0%
Negative62.5%
Written reviews2 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

Kacha Customer

No in-app purchases

None

M

No in-app purchases

Questions

Is Kacha Customer free?
Kacha Customer is free to download, with no in-app purchases.
Is M free?
M is free to download, with no in-app purchases.
Which has better reviews, Kacha Customer or M?
Kacha Customer is rated higher. Kacha Customer averages 4.6 out of 5 from 10 ratings, while M averages 2.5 from 8 ratings.
Do Kacha Customer or M have ads?
Neither Kacha Customer nor M shows ads.
Which is updated more often, Kacha Customer or M?
Kacha Customer ships an update every 6 weeks, and M every 3 months. Most recently, Kacha Customer was updated on November 3, 2026 and M on October 31, 2026.

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