Comparison

Cleva App vs Paymonetra

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

Head to head
About

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.

Highlights
  • Send money internationally
  • Receive USD payments
  • Receive stablecoins
  • Convert currencies
  • Virtual USD card
  • Hold funds in USD
  • Earn Cleva Points
Features
Read full description

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: 2.4.5]

About

Paymonetra

Manage your cryptocurrency, virtual dollar cards, and pay all your bills from a single Nigerian money app. Buy and sell Bitcoin, Ethereum, and USDT with live rates, create virtual USD cards for online payments, and send money instantly to Nigerian banks.

Highlights
  • Buy and sell crypto in Naira
  • Create virtual USD cards
  • Pay for ads and subscriptions
  • Send and receive money instantly
  • Pay airtime, data, TV, and power bills
  • Secure transactions with PIN and alerts
Features
Read full description

Paymonetra is one Nigerian money app for crypto, dollar cards and every bill you pay. BUY AND SELL CRYPTO IN NAIRA Six coins including Bitcoin, Ethereum and USDT. You see the live rate and exactly what you get before you confirm, and the price is locked while you decide. Settled straight to your naira wallet. A DOLLAR CARD THAT WORKS ABROAD Create a virtual USD card in minutes and pay for ads, subscriptions and anything else priced in dollars. Every fee is shown before you create it: creation, monthly and per transaction. Freeze it in one tap, set spending limits, and choose where it works. SEND AND RECEIVE MONEY Transfer to any Nigerian bank in seconds. The recipient name confirms before you pay, so you never send to the wrong account. Money in lands on your own dedicated account number. AIRTIME, DATA, TV AND POWER Every network and every provider in one list. MTN, Glo, Airtel and 9mobile. DStv, GOtv and Startimes. Electricity tokens delivered in seconds. BUILT TO BE TRUSTED Funds are held with CBN licensed, NDIC insured partner banks. Card infrastructure is PCI-DSS compliant. Every transaction needs your PIN, and you get an alert the moment your card is used. Download Paymonetra and do it all from one balance.

Screenshots

Cleva App4 screens
Paymonetra4 screens

Verdict

The call

The clearest difference is rating: Cleva App at 4.7 against Paymonetra's 2.5. Cleva App also leads on ratings volume (1.5K vs 2) and review sentiment (59% vs 50%). Paymonetra's advantage is update cadence (every 3 days vs every 9 days) and iOS requirement (13.0 vs 15). 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

Cleva App holds the better App Store score, 4.7 against 2.5. That said, the two scores are not equally well evidenced: Cleva App has 1.5K ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 59% of Cleva App's written reviews are positive against 50% of Paymonetra's.

UpkeepUpdate frequency

Cleva App ships an update every 9 days, Paymonetra every 3 days. The most recent releases landed on October 18, 2026 and October 13, 2026 respectively.

Scorecard5 real differences · 5 level
Cleva App versus Paymonetra: the parameters behind the verdict, then further details
ParameterCleva AppPaymonetra
PriceFreeFree
Rating4.7 (1.5K ratings) — better2.5 (2 ratings)
Positive reviews58.8% of reviews — better50.0% of reviews
Number of ratings1.5K — better2
Update frequencyEvery 9 daysEvery 3 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS1513.0 — better
Further details — not scored
Size224 MB60 MB
Age rating4+4+
DeveloperCleva Technologies, Inc.Monetra Technologies LTD

Customer experience

Cleva App

All ratings1,524 ratings
Positive91.3%
Neutral3.1%
Negative5.6%
Written reviews97 reviews
Positive58.8%
Neutral6.2%
Negative35.1%

Paymonetra

All ratings2 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

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

Paymonetra

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Cleva App

No in-app purchases

None

Paymonetra

No in-app purchases

Questions

Is Cleva App free?
Cleva App is free to download, with no in-app purchases.
Is Paymonetra free?
Paymonetra is free to download, with no in-app purchases.
Which has better reviews, Cleva App or Paymonetra?
Cleva App is rated higher. Cleva App averages 4.7 out of 5 from 1.5K ratings, while Paymonetra averages 2.5 from 2 ratings.
Do Cleva App or Paymonetra have ads?
Neither Cleva App nor Paymonetra shows ads.
Which is updated more often, Cleva App or Paymonetra?
Cleva App ships an update every 9 days, and Paymonetra every 3 days. Most recently, Cleva App was updated on October 18, 2026 and Paymonetra on October 13, 2026.

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