Milkii vs Atrafi Equb
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
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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.
Atrafi Equb
Modernize traditional Ethiopian savings circles with a digital platform. Contribute regularly, receive the pot, and build wealth securely with transparent digital payments. Achieve financial goals faster while preserving a trusted community tradition.
- Digital rotating savings circles
- Secure digital payments
- Transparent transactions
- Build wealth faster
- Achieve financial goals
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Atrafi Equb - Traditional Savings, Modern Technology Join thousands of Ethiopians modernizing their traditional equb savings with Atrafi Equb. Build wealth together, achieve your financial goals faster, and enjoy the security of digital payments - all while keeping the trusted equb tradition alive. What is Digital Equb? Equb is Ethiopia's time-honored rotating savings system where members contribute regularly and take turns receiving the pot. Atrafi brings this tradition to your smartphone with transparency, security, and convenience. Key Features:
Screenshots
Verdict
The clearest difference is rating: Atrafi Equb at 5.0 against Milkii's 4.8. Atrafi Equb also leads on update cadence (weekly vs fortnightly). Milkii's advantage is ratings volume (4 vs 1) and iOS requirement (13.0 vs 15.1). 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.
Atrafi Equb holds the better App Store score, 5.0 against 4.8. Both are backed by a comparable volume of ratings — 4 and 1 respectively.
Milkii ships an update fortnightly, Atrafi Equb weekly. The most recent releases landed on October 24, 2026 and October 12, 2026 respectively.
| Parameter | Milkii | Atrafi Equb |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (4 ratings) | 5.0 (1 ratings) — better |
| Number of ratings | 4 — better | 1 |
| Update frequency | Fortnightly | Weekly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 13.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 54 MB | 43 MB |
| Age rating | 4+ | 4+ |
| Developer | OROMIA INTERNATIONAL BANK | Atrafi Digital Equb Financial Technology PLC |
Customer experience
Milkii
Atrafi Equb
In-app purchases
Milkii
No in-app purchases
Atrafi Equb
No in-app purchases








