Cleva App vs MiniPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Cleva App
Manage your money globally with this app. Send and receive funds internationally, hold USD, and spend online with a virtual card. Earn rewards and refer friends for extra benefits.
- Send money internationally
- Receive USD payments
- Receive stablecoins
- Convert currencies
- Virtual USD card
- Hold funds in USD
- Earn Cleva Points
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On Cleva, your money has no boundaries. Here’s why over 1M people trust Cleva: 1. Swift onboarding 2. Competitive exchange rates 3. Transparent pricing, no hidden or monthly fees 4. Fast, reliable, and secure experience Send money across borders Instantly transfer to family and friends in Nigeria, Ghana, Uganda, and other African countries. Just add a destination bank or mobile money account, verify the account details, initiate your transfer, and watch the money get delivered immediately. Receive USD payments Whether you’re a freelancer, remote worker, content creator, or entrepreneur, receive ACH and Wires from your employer and clients without hassle. Receive stablecoins with ease Receive USDT or USDC into your Cleva wallet in minutes, giving you more ways to fund and grow your money. Transfer to friends on Cleva Instantly transfer to your friends on Cleva for FREE. Convert at the best rates Instantly convert currencies at very competitive exchange rates. Even better, there are no fees to convert, it’s completely FREE. Spend globally with a virtual USD card Pay for international subscriptions, shop online, or make global payments easily with your Cleva USD card. Protect your money from volatility Save and hold your funds in USD. Exchange only when you want to, at the best rates. Earn and redeem Cleva Points Get rewarded every time you transact! Earn points when you transfer or receive a deposit, then redeem your points for USD and more. Refer and earn Invite your friends and earn when they transact on Cleva. The more friends you refer, the more you earn, and you can keep earning infinitely. 24/7 Support Cleva is always available to assist 24/7 whenever you need assistance. You can reach us via in-app chat or email at contact@getcleva.com. You can also reach us on our social media channels: Twitter: @clevabanking Instagram: @clevabanking Linkedin: @cleva-banking [:mav: 2.4.2]
MiniPay
Send money globally with a secure, self-custodial digital wallet. Experience fast, affordable transactions to over 52 countries, supporting over 35 local currencies and payment methods. Save in stablecoins and pay bills or buy services abroad.
- Instant global money transfers
- Support for 52 countries
- 35+ local currencies and payment methods
- Self-custodial wallet
- Zero-fee stablecoin purchases
- Pay bills and buy services abroad
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Send Anywhere, Anytime – Fast, Affordable, and Secure! Experience fast, affordable, and secure digital transactions with MiniPay. Join millions around the world who trust our self-custodial wallet to manage and send funds globally. Send from Africa, Europe, and Latin America. Whether you're supporting family back home or sending to friends, MiniPay supports sending to and from 52 countries globally including Nigeria, Kenya, South Africa, Ghana, Brazil, Germany, Poland, United States, France, Tanzania, Cameroon — all at the most affordable rates and near-zero fees, powered by our trusted partners. MiniPay is a self-custodial wallet built on the Celo blockchain. All funds in MiniPay are stored as stable, secure digital assets, and transactions are facilitated using USD stablecoins. Buy & Sell USDC, USDT, and cUSD Stablecoins at Zero Fees Top up and withdraw to over 35 supported local currencies and payment methods with zero fees using selected partners. All stablecoins are issued by third parties and backed by their respective services. See issuer(s) website for details. Key Features · Instant Transfers: Send funds digitally to anyone worldwide in seconds, not days. · Localized Cash-in-Cash-out: Easily send and withdraw into over 35 local currencies and local payment methods like Apple Pay, Card, MTN Momo, M-Pesa, Opay, and SEPA using our selected partners. (Note: All fiat exchanges are performed by our partners; coverage and restrictions may apply.) · User-Controlled Security: You own your keys and your funds—full control, every time. · Everyday Use: Pay local bills in Kenya, Ghana, Nigeria, South Africa, Malawi, Tanzania more from abroad using one of our integrated partners. · Spend Stablecoins: Buy eSIMs, donate to local charities of choice, buy gift vouchers and airtime using your stablecoins. Perfect For · Staying Connected Financially: Send funds to and from Nigeria, Kenya, Ghana, Tanzania, South Africa, Uganda, and more. · Small Transfers: Perfect for sending small amounts. You can top up and send as low as $1. · Frequent Senders: Easily hold funds in dollar stablecoins and withdraw to multiple currencies—whether its Euros, USD, or Shillings—anytime, anywhere, thanks to our network of partners · Saving in Dollars: All funds in MiniPay are stored in US dollar stablecoins keeping them fixed to the value of the US Dollar. MiniPay is a non-custodial wallet based on the Celo blockchain and offered by Blueboard Limited and is not intended to provide investment or any other financial advice. Cryptocurrencies and crypto assets involve significant risks, including the potential loss of your entire investment. Please consider whether trading and owning cryptocurrencies is appropriate for your financial situation. *Rates subject to partner conditions. See issuer(s) website for details. Privacy policy: https://legal.blueboard.pro/privacy/ Terms of service: https://legal.blueboard.pro/terms/
Screenshots
Verdict
The clearest difference is monetization model: Cleva App at free against MiniPay's free with in-app purchases. Cleva App also leads on review sentiment (59% vs 43%) and rating (4.7 vs 4.5). On price, update cadence, ads and in-app purchases 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.
Cleva App holds the better App Store score, 4.7 against 4.5. Both are backed by a comparable volume of ratings — 1.5K and 474 respectively. Written reviews point the same way: 59% of Cleva App's written reviews are positive against 43% of MiniPay's.
Cleva App ships an update every 9 days, MiniPay weekly. The most recent releases landed on September 24, 2026 and September 20, 2026 respectively.
| Parameter | Cleva App | MiniPay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (1.5K ratings) — better | 4.5 (474 ratings) |
| Positive reviews | 58.7% of reviews — better | 43.5% of reviews |
| Number of ratings | 1.5K — better | 474 |
| Update frequency | Every 9 days | Weekly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15 — better | 15.2 |
| Further details — not scored | ||
| Size | 262 MB | 87 MB |
| Age rating | 4+ | 4+ |
| Developer | Cleva Technologies, Inc. | Opera Norway AS |
Customer experience
Cleva App
MiniPay
User reviews
Cleva App
From 1.5K App Store ratingsWhat we love
- 🚀 Fast and easy to use
- 👍 User-friendly interface
- 💰 Reliable for international payments
- 🤝 Good customer service
Room to improve
- 🐛 Payment issues and delays
- 🔄 Frequent app updates causing frustration
- 🔒 Concerns about security and account access
MiniPay
From 474 App Store ratingsWhat we love
- 👍 Easy to use for non-crypto natives
- 🚀 Smooth transactions (deposits, Pix, Web3)
- 💡 MiniApps are a great feature
- 🚀 Fast and reliable
- 🚀 Efficient and very reliable
Room to improve
- 😞 Cannot withdraw money
- 😞 Lost money, app is a scam
- 😞 Money sent is pending for days
- 😞 Cannot access app after refresh
- 😞 No support available
Bugs and requests
Cleva App
Reported bugs
3 issues- Rejected transactions with new bank partner
- Delayed or missing fund transfers
- Inability to access old account numbers
Requested features
4 requests- Reinstate Wells Fargo bank integration
- Add support for international wire transfers
- Introduce push notifications for account credits
- Enable withdrawal from virtual cards
MiniPay
Reported bugs
17 issues- Cannot withdraw funds
- Cannot access app after refresh
- Deposit and withdrawal buttons not working
- Money sent is pending for days
- Withdrawal never hit bank account
Show 12 moreShow fewer
- Unsuccessful withdrawal, debited but not received
- Unable to get number verified
- Registration verification not working
- Cannot send money abroad
- Lost money in the app
- App is a scam
- Cannot withdraw money
- Cannot withdraw my money and there is no support
- Payment not showing up in wallet
- Deposit is gone
- Scam to collect Apple username and password
- Withdrawal not working
Requested features
7 requests- More updates and features for MiniApps
- Add Google account sign-in option
- Improve funding options, allow funding from other banks
- Add send option on iPhone
- Fix issue moving from Google to Apple ID, add phone number/email login
Show 2 moreShow fewer
- Add dark mode
- Add gamify features for iOS users
In-app purchases
Cleva App
No in-app purchases
MiniPay
No in-app purchases







