Comparison

Topratepay vs CELA REMIT

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

Head to head
About

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.

Highlights
  • Effortless money transfers
  • Instant transaction speed
  • Bank-level security encryption
  • Real-time transfer notifications
  • User-friendly interface
  • Multiple payment method support
Features
Read full description

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

About

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.

Highlights
  • Borderless money transfers
  • Competitive exchange rates
  • No hidden fees
  • Real-time transfer tracking
  • Secure platform
  • Send money to bank accounts
Features
Read full description

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

Topratepay4 screens
CELA REMIT4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Topratepay ships an update every 14 months, CELA REMIT weekly. The most recent releases landed on July 8, 2026 and September 11, 2026 respectively.

Scorecard2 real differences · 8 level
Topratepay versus CELA REMIT: the parameters behind the verdict, then further details
ParameterTopratepayCELA REMIT
PriceFreeFree
Rating—3.4 (5 ratings) — better
Positive reviews0.0% of reviews100.0% of reviews — better
Number of ratings—5 — better
Update frequencyEvery 14 monthsWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.115.0 — better
Further details — not scored
Size40 MB115 MB
Age rating4+4+
DeveloperToprate Mutual Finance LimitedFetanPays Ltd

Customer experience

Topratepay

All ratings1 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

CELA REMIT

All ratings5 ratings
Positive60.0%
Neutral0.0%
Negative40.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Topratepay

No in-app purchases

None

CELA REMIT

No in-app purchases

Questions

Is Topratepay free?
Topratepay is free to download, with no in-app purchases.
Is CELA REMIT free?
CELA REMIT is free to download, with no in-app purchases.
Do Topratepay or CELA REMIT have ads?
Neither Topratepay nor CELA REMIT shows ads.
Which is updated more often, Topratepay or CELA REMIT?
Topratepay ships an update every 14 months, and CELA REMIT weekly. Most recently, Topratepay was updated on July 8, 2026 and CELA REMIT on September 11, 2026.

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