# MoMo App vs Secured pay

The clearest difference is rating: Secured pay at 5.0 against MoMo App's 3.5. Secured pay also leads on update cadence (fortnightly vs monthly). MoMo App's advantage is ratings volume (1.4K vs 1) and chart position (#179 vs unranked). On price, ads, in-app purchases and monetization model there is nothing between them.

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

Secured pay holds the better App Store score, 5.0 against 3.5. That said, the two scores are not equally well evidenced: MoMo App has 1.4K ratings behind it against 1, so its average is the more settled of the two.

MoMo App ships an update monthly, Secured pay fortnightly. The most recent releases landed on October 27, 2026 and October 18, 2026 respectively.

## The numbers

| Metric | MoMo App | Secured pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.5 (1.4K ratings)](https://appshunter.io/ios/app/momo-app/id6532622230/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/secured-pay/id6756720444/reviews)** |
| Number of ratings | **1.4K** | 1 |
| Positive reviews | 22.3% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Fortnightly** |
| Monetization | Free | Free |
| Best chart rank | **#179** | — |
| Size | 90 MB | 67 MB |
| Requires iOS | **16.0** | 16.6 |
| Devices | iPhone | iPhone |
| Age rating | 17+ | 17+ |
| Developer | [MTN FINTECH(PTY) LTD](https://appshunter.io/developer/1756760151) | [SECURED PAY LTD](https://appshunter.io/developer/1862483677) |

## What reviewers say

### MoMo App

[App page](https://appshunter.io/ios/app/momo-app/id6532622230)

**Currently charting:** #179 Top Free · Finance (US App Store)

Manage all your finances in one place with this comprehensive financial app. It offers secure login, money transfers, bill payments, loans, and virtual cards for convenient transactions and online shopping.

**Highlights:** All financial needs in one place, Secure biometric login, Send and receive money, Instant bill payments, Access loans and advances, Virtual card for online shopping, Scan and pay with QR codes

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast transactions
- 💡 Innovative features
- 👍 User-friendly interface

**What reviewers complain about**

- 🐛 Bugs and glitches
- 🔒 Security issues
- 🔋 Performance problems
- 👎 Poor user experience

**Reported bugs**

- OTP generation failure
- Verification link issues
- Inability to log in
- Unresponsive app features
- Incompatibility with eSIM

**Requested features**

- Add YelloSave feature
- Improve verification process
- Integrate more services
- Allow profile picture customization
- Optimize app performance


### Secured pay

[App page](https://appshunter.io/ios/app/secured-pay/id6756720444)

This platform simplifies and secures international money transfers for individuals and businesses. It offers features like escrow protection, transaction tracking, and receiver confirmation to enhance trust and transparency in global commerce.

**Highlights:** Cross-border transactions, Escrow protection, Receiver confirmation, Transaction tracking, KYC verification, Fraud prevention

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is MoMo App free?

MoMo App is free to download, with no in-app purchases.

### Is Secured pay free?

Secured pay is free to download, with no in-app purchases.

### Which has better reviews, MoMo App or Secured pay?

Secured pay is rated higher. MoMo App averages 3.5 out of 5 from 1.4K ratings, while Secured pay averages 5.0 from 1 ratings.

### Do MoMo App or Secured pay have ads?

Neither MoMo App nor Secured pay shows ads.

### Which is updated more often, MoMo App or Secured pay?

MoMo App ships an update monthly, and Secured pay fortnightly. Most recently, MoMo App was updated on October 27, 2026 and Secured pay on October 18, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*