Comparison

Coop vs Milkii

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

Head to head
About

Coop

Manage your bank accounts, transfer funds, and pay bills securely from your mobile device. Access your finances anytime with real-time updates and quick login.

Highlights
  • Account management
  • Fund transfers
  • Bill payments
  • Quick login
  • Real-time updates
  • 24/7 support
Features
Read full description

Cooperative bank of Oromia is introducing CoopApp application – designed to keep you in control of your finances at all times, right from the palm of your hand! With our app, you can manage your accounts, transfer funds, pay bills, and much more, all with just a few clicks. CoopApp application offers a range of impressive features, such as: Quick and easy login: You can access your accounts using just your fingertips. No more fumbling around for your login details – just a simple touch and you're in! Real-time updates: Stay on top of your finances with our app's real-time updates. You'll be able to check your account balance and transaction history anytime, anywhere. Safe and secure: CoopApp implemented the latest security measures to ensure your information is always safe. So, you can rest assured that your information is in good hands. Easy payments: Our app simplifies the process of paying bills. You'll be able to make payments instantly and securely, without having to log into multiple portals. 24/7 support: If you need assistance, our customer service team is available 24/7 to assist you with any queries or issues. So, don't wait any longer – download CoopApp application today and stay in control of your finances, wherever you are.

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

Coop4 screens
Milkii4 screens

Verdict

The call

The clearest difference is rating: Milkii at 4.8 against Coop's 2.7. Milkii also leads on update cadence (fortnightly vs every 4 months). Coop's advantage is ratings volume (34 vs 4). 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

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 2.7. That said, the two scores are not equally well evidenced: Coop has 34 ratings behind it against 4, so its average is the more settled of the two.

UpkeepUpdate frequency

Coop ships an update every 4 months, Milkii fortnightly. The most recent releases landed on November 3, 2026 and October 30, 2026 respectively.

Scorecard3 real differences · 7 level
Coop versus Milkii: the parameters behind the verdict, then further details
ParameterCoopMilkii
PriceFreeFree
Rating2.7 (34 ratings)4.8 (4 ratings) — better
Positive reviews0.0% of reviews—
Number of ratings34 — better4
Update frequencyEvery 4 monthsFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS12.0 — better13.0
Further details — not scored
Size220 MB54 MB
Age rating4+4+
DeveloperCooperative Bank Of OromiaOROMIA INTERNATIONAL BANK

Customer experience

Coop

All ratings27 ratings
Positive51.9%
Neutral0.0%
Negative48.1%
Written reviews5 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Milkii

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

In-app purchases

None

Coop

No in-app purchases

None

Milkii

No in-app purchases

Questions

Is Coop free?
Coop 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, Coop or Milkii?
Milkii is rated higher. Coop averages 2.7 out of 5 from 34 ratings, while Milkii averages 4.8 from 4 ratings.
Do Coop or Milkii have ads?
Neither Coop nor Milkii shows ads.
Which is updated more often, Coop or Milkii?
Coop ships an update every 4 months, and Milkii fortnightly. Most recently, Coop was updated on November 3, 2026 and Milkii on October 30, 2026.

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