Baff vs SoftBillsHub
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Baff
This financial service app allows users to send money and pay for goods and services easily, even without an internet connection. It offers secure, fast transactions, instant bank account opening, and reliable international payment options.
- Offline money transfers
- Pay for goods and services
- Bank transfers within Nigeria
- Instant bank account opening
- International Visa/Mastercard
- Airtime and data top-up
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BAFF is a financial service company in Nigeria focused on making it easy for people to access financial services. With BAFF, you can send money or pay anyone for goods and services with or without an internet connection and the person can rest assured they will get paid. Our mission is to make financial services more inclusive through technology, BAFF is dedicated to providing secure, super-fast services with additional perks. With a BAFF account, you will have full control of your finances, payments & transactions easily, all on one platform! Services you'll love on BAFF: - Business loans to help you grow your business - Offline Wallet: Send money to anyone without internet connection - Send money to anyone in Nigeria - Pay for goods and services - Bank transfer to any bank in Nigeria - Instant bank account opening - Instant transfer - Airtime / Data Top-up - Reliable US Dollar Visa/Mastercard for international purchases - Amazing customer service (Online and phone support) Contact us A dedicated support team is available 24/7 for all your questions and complaints. Website: www.baffapp.com Facebook: @baffapps Instagram: @baff_app TikTok: @baffapp LinkedIn: baffapp
SoftBillsHub
Manage all your essential payments in Nigeria from one secure wallet. Pay for airtime, data, TV, electricity, and more. Includes virtual cards, fixed savings, and money transfers to any bank.
- Instant airtime and data top-ups
- Cable TV and electricity bill payments
- Virtual card creation for online payments
- Fixed savings with growth potential
- Send money to any Nigerian bank
- Buy and sell digital gift cards
- Virtual numbers for verification codes
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SoftBillsHub is a simple, secure way to handle everyday payments in Nigeria - airtime, data, cable TV, electricity and more - all from one wallet. Also includes Virtual Cards and Fixed Savings. PAY FOR WHAT YOU USE * Airtime for MTN, Glo, Airtel and 9mobile, delivered instantly * Data bundles for every network, from daily plans to monthly * Cable TV renewals for DStv, GOtv and StarTimes * Electricity tokens for prepaid and postpaid meters * A separate purchase history for each service, so past payments are easy to find * Save numbers as beneficiaries and repeat a purchase in seconds ONE WALLET, EVERY SERVICE * Fund your wallet through your own dedicated account number * Track every payment with a clear transaction history * Download or share a receipt for any transaction * Earn cashback on qualifying transactions VIRTUAL CARD * Create a virtual card for online payments, funded from your wallet * Freeze or unfreeze your card anytime from the app * View your card details securely, protected by your PIN * Track every card transaction in your history FIXED SAVINGS * Lock away money for a period you choose and watch it grow * See your savings amount, duration and maturity date clearly before you commit * Get your money plus returns paid to your wallet at maturity SEND MONEY TO ANY BANK Transfer to any Nigerian bank account straight from your wallet. Account names are confirmed before you send, and your regular recipients are saved for next time. Bank transfers require a one-time identity check. GIFT CARDS * Buy digital gift cards from popular brands across many countries * Sell gift cards you no longer need and get paid to your wallet * Follow each order from submission through to payout MORE IN THE APP * Virtual numbers for receiving verification codes * Betting wallet funding * Referral rewards when friends join and transact BUILT WITH SECURITY IN MIND * A 4-digit PIN protects sign-in and every transaction * Optional Face ID or fingerprint unlock, switched on from Settings * Identity verification with your NIN and BVN, reviewed by our team * Instant notifications for every transaction on your account SUPPORT WHEN YOU NEED IT Our team is available on WhatsApp and email, and you can reach us straight from the Help section in the app. SoftBillsHub is operated by SOFT BILLS HUB LIMITED. Website: https://softbillshub.com
Screenshots
Verdict
The clearest difference is ratings volume: Baff at 6 against SoftBillsHub's 1. On price, rating, update cadence and ads 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.
On the App Store both sit at effectively the same score — 5.0 for Baff against 5.0 for SoftBillsHub. That said, the two scores are not equally well evidenced: Baff has 6 ratings behind it against 1, so its average is the more settled of the two.
Both ship on a similar rhythm, roughly weekly. The most recent releases landed on November 4, 2026 and October 31, 2026 respectively.
| Parameter | Baff | SoftBillsHub |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (6 ratings) | 5.0 (1 ratings) |
| Positive reviews | 50.0% of reviews | — |
| Number of ratings | 6 — better | 1 |
| Update frequency | Weekly | Weekly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.5 | 15.5 |
| Further details — not scored | ||
| Size | 104 MB | 66 MB |
| Age rating | 17+ | 17+ |
| Developer | Uvacct | Soft Bills Hub LTD |
Customer experience
Baff
SoftBillsHub
In-app purchases
Baff
No in-app purchases
SoftBillsHub
No in-app purchases
