NAF Mobile vs Circlepay NG
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
NAF Mobile
Access your Nigerian Airforce Microfinance Bank accounts in real-time. Perform transfers, pay bills, and top up airtime. Features biometric login and transaction authorization for enhanced security.
- Real-time account access
- Account opening
- Inter-bank transfers
- Bill payments
- Airtime and data top-up
- Biometric login and authorization
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Mobile Banking by Nigeria Airforce Microfinance Bank. This Mobile Banking app gives you real-time access to your accounts. All account holders can subscribe to this service. Below are some of the services you can enjoy from this mobile banking application: • Account Opening • Registration/Sign-Up • Transfers to NAFMFB accounts • Transfers to Other banks • Cable TV Subscription (DSTV, GOTV etc) • Airtime / Data Top Up (MTN, GLO, AIRTEL, etc.) • Electricity (KEDCO, EKO-ELECTRIC etc.) • Biometric (to access the app- Login) • Biometric (for transaction authorization) • Pin (for transaction authorization) • Quick transactions • Beneficiary Management • Loan Services(Coming Soon) • Card Services (Coming Soon) and much more.
Circlepay NG
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Circlepay helps you build a savings habit that actually sticks, on your own or with the people you trust. Most of us plan to save every month, then it's gone before we notice. Circlepay fixes that by making saving social, simple, and something you look forward to. WHAT YOU CAN DO - Set a personal savings goal and watch it grow. - Start a circle with friends and save toward a shared goal together. - Run a rotating savings group, the ajo or esusu you already know, with a clear schedule and no chasing anyone for money. - Fund your wallet instantly with your own dedicated account number. - Withdraw to your bank whenever you need to. - Grow your Circle Score as you save consistently and unlock higher tiers. - Get reminders so you never miss a save. SAVE TOGETHER, NEVER BROKE Saving alone is hard. Saving with people who are counting on you is a different thing entirely. Circlepay brings your circle into your savings so you actually follow through. SAFE AND REGULATED Your money moves on regulated bank infrastructure through our licensed partner, Dot Microfinance Bank. We verify identity to keep accounts secure and meet financial regulations. BUILT BY STUDENTS, FOR STUDENTS Circlepay was built at Pan-Atlantic University by two students who wanted a better way to save on campus, with the people they save best with. Start building the habit today. Questions? circlepay@tosodigitaltechnologies.com
Screenshots
Verdict
The clearest difference is update cadence: Circlepay NG at every 3 days against NAF Mobile's every 2 weeks. NAF Mobile's advantage is iOS requirement (12.0 vs 15.5). On price, ads, in-app purchases and device support 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.
NAF Mobile ships an update every 2 weeks, Circlepay NG every 3 days. The most recent releases landed on September 11, 2026 and September 17, 2026 respectively.
| Parameter | NAF Mobile | Circlepay NG |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) — better | — |
| Number of ratings | 1 — better | — |
| Update frequency | Every 2 weeks | Every 3 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 12.0 — better | 15.5 |
| Further details — not scored | ||
| Size | 30 MB | 79 MB |
| Age rating | 17+ | 4+ |
| Developer | LOCALMAN TECH LTD | TOSO DIGITAL TECHNOLOGIES |
In-app purchases
NAF Mobile
No in-app purchases
Circlepay NG
No in-app purchases









