Zest Mobile vs PhosPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Zest Mobile
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About Zest Mobile App Exciting news! We are thrilled to announce the launch of Zest Mobile, our revolutionary lifestyle mobile app that offers more than just a banking experience. This app is designed to transform the way you manage your lifestyle and finances, and it's completely bank-agnostic, providing you with unparalleled flexibility and convenience. Freedom to pay how you want •Card Options (Mastercard, Visa, Verve) •USSD - supports up to 18 banks •Stanbic IBTC Bank @ease wallet Freedom to pay for what you want •Airtime and Data subscriptions •Cable TV subscriptions •Internet subscriptions •Electricity Payments (prepaid & postpaid) •Travels & Entertainments •Government Payments (taxes, levies, fees) •Insurance and other financial services payments •Virtual Cards (prepaid) •Rewards, loyalty, and discounts Other capabilities that will be deployed in subsequent releases include: •More Payment options - eNaira etc •Personalisation - dark & light mode, colour selection, etc. •Educational subscriptions •Payments for health and medical services •Scheduled and Recurring Payments Getting Started Simply download the app and select Create Account. 1. Enter your First Name and Last Name 2. Provide your email address & phone number 3. Select your gender and provide your Date of Birth, and 4. Set your password 5. Validate request with OTP sent to your phone number and email address.
PhosPay
This platform provides a suite of financial tools for managing money. Users can send funds instantly, pay bills, make QR code payments, and earn interest on savings.
- Instant money transfers
- Bill payments
- QR code transactions
- Savings with interest
- Comprehensive fintech platform
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PhosPay is a comprehensive fintech platform offering a range of financial services including instant money transfers, bill payments, QR code transactions, and savings with competitive interest rates.
Screenshots
Verdict
The clearest difference is device support: PhosPay at 2 against Zest Mobile's —. Zest Mobile's advantage is iOS requirement (12.4 vs 15.0). On price 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.
| Parameter | Zest Mobile | PhosPay |
|---|---|---|
| Price | Free | Free |
| Rating | — | 5.0 (3 ratings) — better |
| Number of ratings | — | 3 — better |
| Update frequency | — | Weekly |
| Ads | — | No |
| In-app purchases | No | No |
| Monetization | — | Ad-supported |
| Devices | — | iPhone, iPod — better |
| Requires iOS | 12.4 — better | 15.0 |
| Further details — not scored | ||
| Size | 26 MB | 103 MB |
| Age rating | 17+ | 17+ |
| Developer | Zest Payments Limited | Phospay Business |
In-app purchases
Zest Mobile
No in-app purchases
PhosPay
No in-app purchases









