Comparison

MoneyMaster PSB vs XedlaPay

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

Head to head
About

MoneyMaster PSB

This digital banking app offers mobile wallets, savings, and current accounts for individuals and businesses. Manage funds, send money, pay bills, and purchase airtime/data conveniently.

Highlights
  • Mobile wallets
  • Savings and current accounts
  • Fund transfers
  • Bill payments
  • Airtime and data top-up
  • Business payment solutions
Read full description

MoneyMaster Payment Service Bank (MMPSB) is a leading digital bank in Nigeria that offers a broad range of services that include mobile wallets, savings account, individual current account and business account. Through these accounts, our customers can deposit and withdraw funds, send money, buy airtime and data, purchase or renew cable TV subscriptions, and pay utility bills, such as electricity and water, all from the palm of your hand. We support businesses by offering them bespoke seamless payment solutions, tailored collection services and vendor payment management. Registration: • Glo Customers: Simply enter your active Glo phone number to get started; no additional documents are required. If you wish to increase your transaction limits, you can provide your BVN (Bank Verification Number) for further validation. • Non-Glo Customers: You can open an account by using the phone number registered in your BVN profile. Enter your BVN, and you're good to go. Both Glo and non-Glo customers must use their BVN phone number for BVN validation, whether for account opening or limit adjustments. Types of Accounts: • Glo Customers: You can open a tier-2 mobile wallet without the need for additional validation. After BVN validation, customers from all Mobile Money Operators (MMOs) can open Savings and Current accounts. Savings and Current accounts come with a mobile wallet and default Tier-3 transaction limits. You can customize your transaction limits in the App settings. Services: 1. Fund Your Account: • Via Mobile Banking App: Open your existing mobile banking app, select the "send" or "transfer funds" option, enter the recipient's phone number without the first '0' (e.g., 805557xxxx), choose 'MoneyMaster PSB' as the recipient bank, enter your PIN, and submit. • At a Gloworld Shop: Visit your nearest Gloworld shop and deposit cash at the cashier's desk to fund your wallet. 2. Send & Receive Money: You can send money to any bank account or mobile wallet in Nigeria by providing the beneficiary's bank account number and bank name. To receive funds, simply share your phone number without the first zero as your account number. Alternatively, you can share your 10-digit savings or current account number (NUBAN) with the sender. 3. Withdraw Cash: To withdraw cash, visit your nearest Gloworld location. From your app, select 'withdraw,' enter the 6-digit agent code displayed at the cashier's desk, specify the amount, input your Transaction PIN, and you're done. Collect your cash from the cashier. 4. Buy Airtime & Data: You can purchase airtime for any mobile network operator in Nigeria and buy data packs directly from the app. We provide a pop-up menu for easy selection of data bundles for each operator. 5. Cable TV: Access the cable TV icon on the app, choose your service provider, select your plan, enter your customer ID (smartcard number), and submit. 6. Electricity: Navigate to the electricity icon on the app's homepage, select your biller, enter your meter number, specify the amount, input your PIN, and submit. For added convenience, you can save beneficiaries for future transactions. Check your most recent or historical transactions through the 'Transaction' button in the app's footer menu. To learn more about MoneyMaster PSB , please visit our website (https://moneymasterpsb.com/) or follow us on social media: • Facebook: https://www.facebook.com/profile.php?id=61552839581320&mibextid=LQQJ4d • Twitter: https://twitter.com/Moneymasterpsb • Instagram: https://www.instagram.com/moneymasterpsb/

About

XedlaPay

This platform provides secure and efficient payment solutions, including an escrow system for buyer-seller trust and live chat for communication. It offers virtual USD cards for international payments and supports various financial transactions like bill payments and airtime top-ups.

Highlights
  • Escrow payment system
  • Live chat for communication
  • Virtual USD cards
  • Intra and inter-bank transfers
  • Utility bill payments
  • Airtime and data top-ups
Features
Read full description

Xedlapay is a payment platform offering secure and efficient transaction solutions. Its features include an escrow payment system to build trust between buyers and sellers, with a live chat function for seamless communication, virtual USD cards for international online payments , and intra and inter-bank transfers for effortless money movement. Additionally, Xedlapay supports utility bill payments, airtime top-ups, and data purchases, making it a comprehensive tool for managing everyday financial needs. Contact Us: WEBSITE: https://www.xedla.com/ EMAIL: marketing@xedla.com COMPLAINT/FEEDBACK: feedback@xedla.com

Screenshots

MoneyMaster PSB4 screens
XedlaPay4 screens

Verdict

The call

The clearest difference is review sentiment: XedlaPay at 100% against MoneyMaster PSB's 29%. XedlaPay also leads on rating (5.0 vs 2.2) and update cadence (every 3 weeks vs every 2 months). MoneyMaster PSB's advantage is ratings volume (23 vs 2). 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

XedlaPay holds the better App Store score, 5.0 against 2.2. That said, the two scores are not equally well evidenced: MoneyMaster PSB has 23 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 29% of MoneyMaster PSB's written reviews are positive against 100% of XedlaPay's.

UpkeepUpdate frequency

MoneyMaster PSB ships an update every 2 months, XedlaPay every 3 weeks. The most recent releases landed on October 27, 2026 and October 18, 2026 respectively.

Scorecard4 real differences · 6 level
MoneyMaster PSB versus XedlaPay: the parameters behind the verdict, then further details
ParameterMoneyMaster PSBXedlaPay
PriceFreeFree
Rating2.2 (23 ratings)5.0 (2 ratings) — better
Positive reviews28.6% of reviews100.0% of reviews — better
Number of ratings23 — better2
Update frequencyEvery 2 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.114.0 — better
Further details — not scored
Size60 MB72 MB
Age rating17+17+
DeveloperMoneyMaster Payment Service Bank LimitedXedla Pay

Customer experience

MoneyMaster PSB

All ratings8 ratings
Positive37.5%
Neutral12.5%
Negative50.0%
Written reviews7 reviews
Positive28.6%
Neutral0.0%
Negative71.4%

XedlaPay

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

MoneyMaster PSB

No in-app purchases

None

XedlaPay

No in-app purchases

Questions

Is MoneyMaster PSB free?
MoneyMaster PSB is free to download, with no in-app purchases.
Is XedlaPay free?
XedlaPay is free to download, with no in-app purchases.
Which has better reviews, MoneyMaster PSB or XedlaPay?
XedlaPay is rated higher. MoneyMaster PSB averages 2.2 out of 5 from 23 ratings, while XedlaPay averages 5.0 from 2 ratings.
Do MoneyMaster PSB or XedlaPay have ads?
Neither MoneyMaster PSB nor XedlaPay shows ads.
Which is updated more often, MoneyMaster PSB or XedlaPay?
MoneyMaster PSB ships an update every 2 months, and XedlaPay every 3 weeks. Most recently, MoneyMaster PSB was updated on October 27, 2026 and XedlaPay on October 18, 2026.

Other comparisons