Comparison

NAF Mobile vs Circlepay NG

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

Head to head
About

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.

Highlights
  • Real-time account access
  • Account opening
  • Inter-bank transfers
  • Bill payments
  • Airtime and data top-up
  • Biometric login and authorization
Features
Read full description

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.

About

Circlepay NG

Read full description

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

NAF Mobile4 screens
Circlepay NG4 screens

Verdict

The call

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

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

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.

Scorecard2 real differences · 7 level
NAF Mobile versus Circlepay NG: the parameters behind the verdict, then further details
ParameterNAF MobileCirclepay NG
PriceFreeFree
Rating5.0 (1 ratings) — better—
Number of ratings1 — better—
Update frequencyEvery 2 weeksEvery 3 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPod
Requires iOS12.0 — better15.5
Further details — not scored
Size30 MB79 MB
Age rating17+4+
DeveloperLOCALMAN TECH LTDTOSO DIGITAL TECHNOLOGIES

In-app purchases

None

NAF Mobile

No in-app purchases

None

Circlepay NG

No in-app purchases

Questions

Is NAF Mobile free?
NAF Mobile is free to download, with no in-app purchases.
Is Circlepay NG free?
Circlepay NG is free to download, with no in-app purchases.
Do NAF Mobile or Circlepay NG have ads?
Neither NAF Mobile nor Circlepay NG shows ads.
Which is updated more often, NAF Mobile or Circlepay NG?
NAF Mobile ships an update every 2 weeks, and Circlepay NG every 3 days. Most recently, NAF Mobile was updated on September 11, 2026 and Circlepay NG on September 17, 2026.

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