Cleva App vs Paymonetra
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: 2.4.5]
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.
- 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
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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
Verdict
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
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 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.
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.
| Parameter | Cleva App | Paymonetra |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (1.5K ratings) — better | 2.5 (2 ratings) |
| Positive reviews | 58.8% of reviews — better | 50.0% of reviews |
| Number of ratings | 1.5K — better | 2 |
| Update frequency | Every 9 days | Every 3 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15 | 13.0 — better |
| Further details — not scored | ||
| Size | 224 MB | 60 MB |
| Age rating | 4+ | 4+ |
| Developer | Cleva Technologies, Inc. | Monetra Technologies LTD |
Customer experience
Cleva App
Paymonetra
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
Cleva App
No in-app purchases
Paymonetra
No in-app purchases









