Comparison

FLEX vs EBSPay Mobile

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

Head to head
About

FLEX

Send and receive money instantly in Nigeria using a unique PayTag. Easily pay merchants via QR codes or directly in the app, and request funds with notes for clear tracking. Upgrade your tier for higher limits and enhanced features.

Highlights
  • Instant money sending and receiving
  • Pay with PayTag
  • Merchant QR code payments
  • Request money with notes
  • Tiered verification for higher limits
  • Real-time transaction tracking
  • In-app support
Features
Read full description

FLEX Move Money. Move Freely. FLEX is the fast and secure way to send and receive money in Nigeria. You can pay anyone, anytime, without account numbers or extra fees. Send and Receive Instantly Transfer to anyone using a PayTag. Send or receive in seconds and track every transaction in real time. Pay Merchants Easily Scan a merchant QR code or pay directly inside the app. Request Money Fast Use FLEXme to ask for money and get paid faster. Add a note so people know what it’s for. Keep your payment history organized and accessible. Verify and Upgrade Your FLEX Tier Verification unlocks higher spending limits and full access to FLEX features. Move from Silver to Gold, Platinum, and Diamond Reserve as you complete verification. Each tier gives you more room to transact confidently and securely. Stay Secure and In Control Built with top-tier security for every payment. Instant alerts keep you updated as money moves. One app for all your transfers, rewards, and everyday spending. FLEX combines speed, trust, and simplicity in one app. *FLEX is a financial services platform, not a bank. Banking services are provided by our regulated partners. Contact FLEX Support in-app, via email at: techsupport@yourflexpay.com

About

EBSPay Mobile

Features
Read full description

EBSPay is a next-generation digital platform designed to bridge the gap between connectivity and convenience. We believe that buying airtime, data, and paying bills should be instantaneous and stress-free. Whether you are an individual user looking for speed, or a merchant looking to grow your business margin, our platform is engineered to serve you with reliability at its core.

Screenshots

FLEX4 screens
EBSPay Mobile4 screens

Verdict

The call

The clearest difference is update cadence: EBSPay Mobile at every 3 days against FLEX's every 2 weeks. 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

FLEX ships an update every 2 weeks, EBSPay Mobile every 3 days. The most recent releases landed on September 30, 2026 and October 1, 2026 respectively.

Scorecard1 real difference · 9 level
FLEX versus EBSPay Mobile: the parameters behind the verdict, then further details
ParameterFLEXEBSPay Mobile
PriceFreeFree
Rating4.7 (11 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings11 — better—
Update frequencyEvery 2 weeksEvery 3 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.615.1 — better
Further details — not scored
Size151 MB27 MB
Age rating4+4+
DeveloperKoinage LLCAL-KAREEM JORDAN AROGUNDADE

In-app purchases

None

FLEX

No in-app purchases

None

EBSPay Mobile

No in-app purchases

Questions

Is FLEX free?
FLEX is free to download, with no in-app purchases.
Is EBSPay Mobile free?
EBSPay Mobile is free to download, with no in-app purchases.
Do FLEX or EBSPay Mobile have ads?
Neither FLEX nor EBSPay Mobile shows ads.
Which is updated more often, FLEX or EBSPay Mobile?
FLEX ships an update every 2 weeks, and EBSPay Mobile every 3 days. Most recently, FLEX was updated on September 30, 2026 and EBSPay Mobile on October 1, 2026.

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