# 78 MFB vs Hitelpay

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.

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.

## The numbers

| Metric | 78 MFB | Hitelpay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.7 (39 ratings)](https://appshunter.io/ios/app/78-mfb/id6470311222/reviews)** | [3.0 (2 ratings)](https://appshunter.io/ios/app/hitelpay-bills-transfer/id6747716522/reviews) |
| Number of ratings | **39** | 2 |
| Positive reviews | **52.9% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Every 9 days** | Every 3 weeks |
| Monetization | Free | Free |
| Size | 124 MB | 50 MB |
| Requires iOS | 15.6 | **15.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [BLAAIZ INNOVATIONS TECHNOLOGY LTD](https://appshunter.io/developer/1713385154) | [Holladata Nigeria Limited](https://appshunter.io/developer/1732829611) |

## What reviewers say

### 78 MFB

[App page](https://appshunter.io/ios/app/78-mfb/id6470311222)

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.

**Highlights:** Savings and Current Accounts, Swift Money Transfers, Effortless Bills Payment, Scheduled Payments, Bulk Payments

**Features:** Vision Pro support

**In-app purchases:** none


### Hitelpay

[App page](https://appshunter.io/ios/app/hitelpay-bills-transfer/id6747716522)

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.

**Highlights:** Affordable data plans, Instant airtime top-up, Pay TV subscriptions, Utility bill payments, Convert airtime to cash, Secure transactions

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is 78 MFB free?

78 MFB is free to download, with no in-app purchases.

### Is Hitelpay free?

Hitelpay is free to download, with no in-app purchases.

### Which has better reviews, 78 MFB or Hitelpay?

78 MFB is rated higher. 78 MFB averages 3.7 out of 5 from 39 ratings, while Hitelpay averages 3.0 from 2 ratings.

### Do 78 MFB or Hitelpay have ads?

Hitelpay shows ads; 78 MFB does not.

### Which is updated more often, 78 MFB or Hitelpay?

78 MFB ships an update every 9 days, and Hitelpay every 3 weeks. Most recently, 78 MFB was updated on November 7, 2026 and Hitelpay on November 5, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*