GeoPay vs Cool Data
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
GeoPay
Manage bills, convert airtime to cash, and make instant money transfers. Access virtual USD cards for international payments and online shopping. Enjoy secure, fast, and user-friendly financial services.
- Convert airtime to cash instantly
- Virtual USD cards for online spending
- Easy bills payment (airtime, data, electricity, TV)
- Instant money transfers within Nigeria
- Refer friends and earn rewards
- Seamless banking services integration
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GeoPay (formerly GeoTopup) is the simple, fast and secure way to handle your everyday payments in Nigeria. Buy cheap data and airtime, pay your bills, convert airtime to cash, and spend online with a virtual USD card — all in one clean app. Whether you are recharging, paying a bill or shopping online, GeoPay keeps it affordable, reliable and easy. CHEAP DATA & AIRTIME — ALL NETWORKS Buy affordable data bundles and airtime for MTN, Glo, Airtel and 9mobile in seconds. Recharge for yourself, your family or your friends, anytime, with fast delivery and great rates. PAY YOUR BILLS IN SECONDS • Electricity: pay prepaid and postpaid bills for major discos and get your token fast. • Cable TV: renew DStv, GOtv and Startimes subscriptions in seconds. • Education: pay for exam pins and education services. AIRTIME TO CASH Have extra airtime you do not need? Convert your airtime to cash and get paid straight into your GeoPay wallet. A quick, easy way to turn unused airtime into money. VIRTUAL USD (DOLLAR) CARD Create a virtual USD card to shop and pay online — streaming, software, ads and international websites that accept cards. Fund it from your wallet and manage your card securely inside the app. eSIM Get connected with an eSIM — mobile data without a physical SIM. Great for travel and as a backup line. BUSINESS REGISTRATION (CAC) Register your business name with CAC right from the app, without the stress. WALLET, TRANSFERS & WITHDRAWALS Fund your wallet by bank transfer, send money to other GeoPay users, and withdraw to your bank account anytime. Your balance is always one tap away. REFER & EARN Share your referral link, invite friends, and earn rewards when they join and transact on GeoPay. SAFE & SECURE Your account is protected with a transaction PIN, Face ID and modern security, so every payment stays in your control. MORE COMING SOON We are always improving GeoPay and adding new services and bill options — more is on the way. WHY GEOPAY (FORMERLY GEOTOPUP) • Affordable data and airtime on all networks • Fast, reliable bills payment • Airtime to cash, made simple • A virtual USD card for online payments • eSIM and more in one app • A clean, easy-to-use app you can trust Download GeoPay today and enjoy cheap data, airtime, bills payment, airtime to cash and a virtual USD card — all in one place. Terms of use : https://geopay.ng/terms Privacy Policy : https://geopay.ng/privacy Refund Policy : https://geopay.ng/refund To request to delete Data : https://geopay.ng/delete-data
Cool Data
Purchase affordable data, airtime, electricity tokens, and TV subscriptions. Earn commissions by acting as an agent or by referring friends who use the platform.
- Purchase low-cost data subscriptions
- Buy airtime for all networks
- Subscribe to electricity tokens
- Pay for TV cable services
- Earn commissions as an agent
- Refer friends and earn
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CoolData is the best platform for purchasing low-cost data subscriptions, airtime, electricity tokens, Education pins, and TV cables (GOTV, DSTV, STARTIMES) As our agents, you buy 1GB for as little as 275 naira and make big commissions per transaction. You can also refer your friends to CoolData and earn on all their transactions CoolData is available for all services. Buy Airtime: Get fast airtime for all networks including MTN, GLO, 9MOBILE, AIRTEL, and more. Buy power: Subscribe to your meter, purchase an electricity token. AEDC, IBEDC, and KAEDCO etc Buy Cheap Data: Cheap data subscriptions available for all networks Buy Cable TV Subscriptions: Subscribe to your GOTV, DSTV, and STARTIMES with fast connections
Screenshots
Verdict
The clearest difference is rating: GeoPay at 3.4 against Cool Data's 2.3. GeoPay also leads on update cadence (every 2 days vs every 2 months) and review sentiment (19% vs 0%). 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.
GeoPay holds the better App Store score, 3.4 against 2.3. That said, the two scores are not equally well evidenced: GeoPay has 51 ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 19% of GeoPay's written reviews are positive against 0% of Cool Data's.
GeoPay ships an update every 2 days, Cool Data every 2 months. The most recent releases landed on September 17, 2026 and September 2, 2026 respectively.
| Parameter | GeoPay | Cool Data |
|---|---|---|
| Price | Free | Free |
| Rating | 3.4 (51 ratings) — better | 2.3 (3 ratings) |
| Positive reviews | 18.8% of reviews — better | 0.0% of reviews |
| Number of ratings | 51 — better | 3 |
| Update frequency | Every 2 days — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 | 15.0 |
| Further details — not scored | ||
| Size | 67 MB | 41 MB |
| Age rating | 4+ | 4+ |
| Developer | Ogie Communication And General Services | Holladata Nigeria Limited |
Customer experience
GeoPay
Cool Data
In-app purchases
GeoPay
No in-app purchases
Cool Data
No in-app purchases
