78 MFB vs Hitelpay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
78 MFB
Manage your finances with a global bank offering savings and current accounts. Facilitate swift money transfers, effortless bill payments, and easy bulk payments. Schedule payments to never miss a due date.
- Savings and Current Accounts
- Swift Money Transfers
- Effortless Bills Payment
- Scheduled Payments
- Bulk Payments
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Welcome to 78 MFB – One global bank, every way your money moves! * Unlock Savings and Current Accounts * Swift Money Transfers * Effortless Bills Payment. * Never Miss a payment: schedule it and forget it! * Bulk Payments Made Easy We require location update capability to set up geofences around the designated location. This enables us to receive location updates in the background whenever the users enter or exit their created digital addresses. Over time, we can verify residency.
Hitelpay
This app simplifies managing essential digital services in Nigeria. It offers affordable data, airtime top-ups, pay TV subscriptions, and utility bill payments. A unique feature allows converting unused airtime to cash.
- Affordable data plans
- Instant airtime top-up
- Pay TV subscriptions
- Utility bill payments
- Convert airtime to cash
- Secure transactions
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Hitelpay: Your Ultimate VTU App for Affordable Data, Airtime, TV & Bill Payments in Nigeria! Tired of juggling multiple apps and overspending on essential digital services? Hitelpay is your all-in-one solution, designed to make managing your mobile data, airtime, pay TV subscriptions, and utility bills in Nigeria easier, faster, and more affordable than ever before. Unlock a world of convenience and savings with Hitelpay: Supercharge Your Connectivity: Discover the most competitive and budget-friendly data plans from all major networks. Stay connected, browse seamlessly, and download without breaking the bank. Instant Airtime Top-Up: Never run out of talk time again! Recharge your phone with airtime in seconds, anytime, anywhere, for yourself or your loved ones. Entertainment at Your Fingertips: Seamlessly subscribe to your favorite pay TV packages, including DStv, GOtv, and StarTimes. Enjoy uninterrupted access to your beloved TV shows, movies, and sports. Hassle-Free Bill Payments: Say goodbye to long queues and late fees! Pay your electricity bills directly through the Hitelpay app with just a few taps, saving you valuable time and effort. Convert Unused Airtime to Cash (Unique Feature!): Got leftover airtime sitting idle? Hitelpay offers a unique feature that allows you to convert your excess airtime into cash for other needs. Why choose Hitelpay as your preferred VTU app? Unbeatable Prices: We are committed to offering you the most competitive rates on data, airtime, and subscription services across Nigeria. Ultimate Convenience: Manage all your essential digital transactions in one intuitive and user-friendly application. No more switching between multiple apps! Fast and Secure Transactions: Enjoy a smooth and secure experience with our robust and reliable payment processing system. Your transactions are always protected. 24/7 Accessibility: Access Hitelpay anytime, anywhere, right from your smartphone. Manage your services on your own schedule. Dedicated Customer Support: Our friendly and responsive support team is always ready to assist you with any questions or issues you may encounter. Download Hitelpay today and experience the smartest and most affordable way to manage your digital life in Nigeria! Stay connected with us: Facebook: @hitelpay TikTok: @hitelpay Instagram: @hitelpay.ng Twitter: @hitelpay
Screenshots
Verdict
The clearest difference is review sentiment: 78 MFB at 53% against Hitelpay's 0%. 78 MFB also leads on rating (3.7 vs 3.0) and ads (none vs shown). On price, in-app purchases, monetization model and device support 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.
78 MFB holds the better App Store score, 3.7 against 3.0. That said, the two scores are not equally well evidenced: 78 MFB has 39 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 53% of 78 MFB's written reviews are positive against 0% of Hitelpay's.
78 MFB ships an update every 9 days, Hitelpay every 3 weeks. The most recent releases landed on November 7, 2026 and November 5, 2026 respectively.
| Parameter | 78 MFB | Hitelpay |
|---|---|---|
| Price | Free | Free |
| Rating | 3.7 (39 ratings) — better | 3.0 (2 ratings) |
| Positive reviews | 52.9% of reviews — better | 0.0% of reviews |
| Number of ratings | 39 — better | 2 |
| Update frequency | Every 9 days — better | Every 3 weeks |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.6 | 15.0 — better |
| Further details — not scored | ||
| Size | 124 MB | 50 MB |
| Age rating | 4+ | 4+ |
| Developer | BLAAIZ INNOVATIONS TECHNOLOGY LTD | Holladata Nigeria Limited |
Customer experience
78 MFB
Hitelpay
In-app purchases
78 MFB
No in-app purchases
Hitelpay
No in-app purchases
