78 MFB vs Stipend
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 banking app. Open savings and current accounts, make swift money transfers, and pay bills effortlessly. Schedule payments in advance and handle bulk transactions with ease.
- Savings and Current Accounts
- Swift Money Transfers
- Effortless Bills Payment
- Scheduled Payments
- Bulk Payments
Read full descriptionHide full description
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.
Stipend
Manage all your everyday financial needs in one super app. Make payments, shop internationally with a virtual card, and access flexible financing options for purchases. It offers a secure and convenient way to handle bills, online shopping, and buy now, pay later services.
- Virtual dollar card for international payments
- Fast and easy bill payments
- E-commerce marketplace for shopping
- Buy Now, Pay Later financing options
- Secure authentication and encrypted transactions
- 24/7 customer support
Read full descriptionHide full description
Stipend APP…One Super App for Your Everyday Financial Needs Stipend App brings together payments, shopping, virtual cards, and flexible financing into one seamless experience. Whether you're paying bills, shopping internationally, or financing the things you need, Stipend Finance helps you manage it all with speed, security, and convenience. Features * Virtual Dollar Card Create a secure virtual dollar card for international payments and subscriptions. Use it for: • Online shopping • Streaming services • App purchases • Digital subscriptions • International websites * Bill Payments Pay your everyday bills in seconds. Available services include: • Airtime • Data bundles • Electricity • Cable TV • Internet services • Utility payments * E-commerce Marketplace Browse and shop for quality products directly within the app. Discover: • Electronics • Home appliances • Mobile devices • Fashion • Lifestyle products • And more * Buy Now, Pay Later (BNPL) Own what you need today and spread payments over time. Finance eligible assets including: • Smartphones • Laptops • Home appliances • Electronics • Other approved products * Secure & Reliable Your security is our priority. We provide: • Secure authentication • Encrypted transactions • Fraud protection • Safe payment processing Why Choose Stipend Finance? • Fast and easy bill payments • Instant virtual dollar card • Flexible asset financing • Convenient online shopping • Secure digital payments • User-friendly experience • One app for multiple financial services Download Stipend Finance today and experience a smarter way to pay, shop, and finance your everyday needs. GOT A QUESTION? TALK TO A REAL PERSON Our customer support is ready to listen to you at any time. Contact us at +2347053065190 or +2349064904045, connect@stipend.online, or use the in-app live chat. We are available 24/7.
Screenshots
Verdict
The clearest difference is review sentiment: 78 MFB at 53% against Stipend's 0%. 78 MFB also leads on update cadence (every 9 days vs every 4 months). Stipend's advantage is iOS requirement (13.0 vs 15.6). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
78 MFB ships an update every 9 days, Stipend every 4 months. The most recent releases landed on October 18, 2026 and October 5, 2026 respectively.
| Parameter | 78 MFB | Stipend |
|---|---|---|
| Price | Free | Free |
| Rating | 3.8 (38 ratings) — better | — |
| Positive reviews | 52.9% of reviews — better | 0.0% of reviews |
| Number of ratings | 38 — better | — |
| Update frequency | Every 9 days — better | Every 4 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.6 | 13.0 — better |
| Further details — not scored | ||
| Size | 124 MB | 88 MB |
| Age rating | 12+ | 4+ |
| Developer | BLAAIZ INNOVATIONS TECHNOLOGY LTD | STIPEND INTEGRATED SOLUTIONS LIMITED |
Customer experience
78 MFB
Stipend
In-app purchases
78 MFB
No in-app purchases
Stipend
No in-app purchases
