Topratepay vs CELA REMIT
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Topratepay
Easily and securely send money to friends and family with this intuitive mobile app. Enjoy swift, reliable transactions with bank-level security and real-time notifications. Designed for simplicity, it accommodates various payment methods for a worry-free experience.
- Effortless money transfers
- Instant transaction speed
- Bank-level security encryption
- Real-time transfer notifications
- User-friendly interface
- Multiple payment method support
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Introducing Topratepay, your trusted companion for effortless and secure money transfers. Seamlessly designed to simplify the way you send money to friends and loved ones, Topratepay ensures that your transactions are swift, reliable, and worry-free. Key Features: 1. Effortless Transactions: With Topratepay, sending money becomes a breeze. The intuitive interface allows users to complete transactions with just a few taps, making it quick and convenient for both sender and recipient. 2. Instant Transfers: Say goodbye to long waiting times. QuickSend enables instant money transfers, ensuring that your loved ones receive the funds they need when they need them the most. 3. Bank-Level Security: We prioritize your security. Topratepay employs cutting-edge encryption technologies to safeguard your financial information, providing you with peace of mind for every transaction. 4. Real-Time Notifications: Stay informed at every step. Topratepay keeps you updated with real-time notifications, from the moment you initiate a transfer to its successful completion. 5. User-Friendly Interface: Topratepay is designed with simplicity in mind. Whether you're a tech-savvy user or new to mobile banking, our user-friendly interface ensures a smooth and enjoyable experience. 6. Wide Range of Accepted Payment Methods: Topratepay accommodates various payment methods, ensuring flexibility and convenience for users. Link your bank account, credit card, or other preferred payment methods effortlessly. Empower your relationships with Topratepay—your go-to app for sending money to those who matter most. Download now and experience the next level of simplicity, speed, and security in mobile money transfers. Topratepay has been in Money Services Business since 2005, registered with the Financial Conduct Authority (FCA) United Kingdom with Registration Number 550566. Registered with HMRC and Companies House registration number 04484535
CELA REMIT
Send money internationally without border restrictions. This platform facilitates secure and fast money transfers to loved ones, offering competitive exchange rates and no hidden fees. Track your transactions in real-time and save recipient details for future use.
- Borderless money transfers
- Competitive exchange rates
- No hidden fees
- Real-time transfer tracking
- Secure platform
- Send money to bank accounts
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Cela is a mobile payment platform where users transact without border restrictions for payment, foreign exchange, or transfer of money to their friends and families. Our user-friendly app lets you send money directly to your loved ones, with competitive rates and no hidden fees. Key features: * Secure and reliable money transfers * Fast and convenient transactions * Competitive exchange rates * No hidden fees * Easy-to-use app With Cela, you can: * Send money directly to bank accounts in Nigeria * Track your transfers in real-time * Save beneficiary information for future transactions * Enjoy peace of mind with our secure platform Download the Payceler App now and start sending money with confidence.
Screenshots
Verdict
The clearest difference is review sentiment: CELA REMIT at 100% against Topratepay's 0%. CELA REMIT also leads on update cadence (weekly vs every 14 months). 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.
Topratepay ships an update every 14 months, CELA REMIT weekly. The most recent releases landed on July 8, 2026 and September 11, 2026 respectively.
| Parameter | Topratepay | CELA REMIT |
|---|---|---|
| Price | Free | Free |
| Rating | — | 3.4 (5 ratings) — better |
| Positive reviews | 0.0% of reviews | 100.0% of reviews — better |
| Number of ratings | — | 5 — better |
| Update frequency | Every 14 months | Weekly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.1 | 15.0 — better |
| Further details — not scored | ||
| Size | 40 MB | 115 MB |
| Age rating | 4+ | 4+ |
| Developer | Toprate Mutual Finance Limited | FetanPays Ltd |
Customer experience
Topratepay
CELA REMIT
In-app purchases
Topratepay
No in-app purchases
CELA REMIT
No in-app purchases









