Milkii vs Libam
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Milkii
This mobile app provides quick cash loans, asset financing, and airtime loans with transparent terms and flexible repayment options. It offers a simple interest formula for loan costs and a maximum APR of 10%. Users can also make merchant payments easily.
- Cash loans
- Asset financing
- Airtime loans
- Merchant payments
- Flexible repayment terms
- Transparent pricing
- Simple interest formula
Read full descriptionHide full description
Mobile micro-loan application in Ethiopia, brought to you by Oromia Bank. Milkii offers cash loans, asset financing, airtime loans, and merchant loans with transparent terms and flexible repayment options. Key Features: Flexible Repayment Terms: Choose from repayment periods ranging from 30 to 180 days, allowing you to repay at your convenience. Transparent Pricing: We use a simple interest formula to calculate loan costs, ensuring full transparency in fees and interest rates. Maximum APR: Our loans have a maximum Annual Percentage Rate (APR) of 10%. We are committed to providing affordable lending solutions. Representative Loan Example: Cash Loan - Milkii Loan Amount: 500 ETB Total Charges: 50 ETB Total Interest: 0 ETB Repayment Period: 30 days Frequency: Monthly Airtime Loan - Milkii Airtime Loan Amount: 25 ETB Total Charges: 0 ETB Total Interest: 0 ETB Repayment Period: 30 days Frequency: Monthly Merchant Payments: Easily pay for goods at Milkii and SantimPay merchants using your loan, enhancing your shopping experience. Commitment to Transparency: At Oromia Bank, we believe in empowering our customers with clear information about loan quality, features, fees, risks, and benefits. We are dedicated to helping you make informed financial decisions.
Libam
Read full descriptionHide full description
Secure your family’s future in minutes! Built for Ethiopians by Ethiopians. We have partnered with EthioLife and General Insurance S.C. to provide quick access to Individual Term Life Insurance. Our life insurance app makes getting covered quick, easy, and affordable. Instant Quotes – Compare plans in seconds Fast Approval – No medical exams for select policies 24/7 Claims Support – File claims anytime, anywhere Family Protection – Customizable coverage for loved ones up to ETB 750,000($ 5,800) by paying a premium starting from ETB 415($3). Refer & Earn – Get rewards (10%) for sharing the app with friends Why choose us? Backed by the esteemed Ethio Life and General Insurance S.C. Built for simplicity – No confusing jargon Available in Local Languages Secure & reliable – Industry-level data protection Designed for you – Fair pricing, no hidden fees Download now and get peace of mind in just a few taps!
Screenshots
Verdict
The clearest difference is update cadence: Milkii at fortnightly against Libam's every 5 months. Milkii also leads on iOS requirement (13.0 vs 15.1). 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.
Milkii ships an update fortnightly, Libam every 5 months. The most recent releases landed on September 29, 2026 and October 11, 2026 respectively.
| Parameter | Milkii | Libam |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (2 ratings) — better | — |
| Number of ratings | 2 — better | — |
| Update frequency | Fortnightly — better | Every 5 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 13.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 54 MB | 37 MB |
| Age rating | 4+ | 12+ |
| Developer | OROMIA INTERNATIONAL BANK | Lumina Technologies |
In-app purchases
Milkii
No in-app purchases
Libam
No in-app purchases
