Comparison

M vs Arif Remit

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

Head to head
About

M

Access financial services in Ethiopia with this fast and inclusive mobile application. Send money, pay bills, buy airtime, and enjoy rewards, all with a simple interface that uses low data and storage.

Highlights
  • Send money to any bank or mobile money provider
  • Buy airtime instantly
  • Pay bills for utilities and TV
  • Scan QR codes to pay merchants
  • Transaction history tracking
  • Spin the wheel for transaction rewards
  • Access overdraft facilities
Features
Read full description

M-PESA Lehulum – Fast. Inclusive. Rewarding. Welcome to M-PESA Lehulum – a lighter, faster, and more inclusive way to access financial services in Ethiopia. Whether you use a Safaricom SIM or not, you can now enjoy the convenience of M-PESA – available to everyone, everywhere in Ethiopia. Why M-PESA Lehulum? • Any Ethiopian SIM Card: Anyone can sign up and start transacting – all you need is an Ethiopian phone number. • Simple & Fast: A clean, clutter-free design built for speed and ease of use. • Low Data, Small Size: Save space and data while enjoying powerful features. Top Features • Simple Home Screen – Designed for everyday convenience. • Spin the Wheel Rewards – Win rewards every time you complete a transaction. • Send Money Anywhere – To any banks, M-PESA, mobile money providers, and more financial institutions. • Buy Airtime – Recharge for yourself or others in seconds. • Never be out of balance – Transact on M-PESA and access overdraft facilities. • Pay Bills – Electricity, water, TV and more – all in one place. • Scan to Pay – Instantly scan QR codes to pay at merchants nationwide. • Transaction History – View and track all your payments and transfers easily. Made for Everyone M-PESA Lehulum is for anyone who wants fast, secure, and reliable digital financial services – on any Ethiopian telephone network. Download M-PESA Lehulum today – because everyone deserves access to trusted, simple and rewarding financial services.

About

Arif Remit

Send money internationally with ease through bank deposits, wallet transfers, cash pickup, or payment links. This secure and reliable service offers transparent exchange rates and multiple payout options for users in Ethiopia and globally.

Highlights
  • International money transfers
  • Bank deposit, wallet, cash pickup
  • Payment links and airtime top-up
  • Secure and encrypted transactions
  • Multiple payout methods
  • Transparent exchange rates
  • User-friendly interface
Features
Read full description

Arif Remittance is a digital money transfer solution that lets you send funds internationally via bank deposit, wallet transfer, cash pickup, payment link, or even airtime top-up all from the convenience of your phone. Built for users in Ethiopia and across the globe, Arif Remittance makes sending money as easy as a few taps. Whether you’re supporting family or paying for services, you can trust Arif Remmit to deliver your funds fast, securely, and affordably. Secure & Reliable Transfers - We partner with trusted banks and forex bureaus to ensure your money gets to the right hands. - All transactions are encrypted and processed in real-time. - Phone number verification and OTP-based security included. Multiple Ways to Send Choose the option that suits your recipient best: - Bank Transfer – Send directly to bank accounts. - Wallet Transfer – Transfer to mobile wallets. - Cash Pickup – Let recipients collect cash at designated locations. - Payment Link – Generate a secure link and let the recipient choose how to receive the money. Multibank & Forex Support We work with multiple financial institutions to offer competitive exchange rates and broader coverage. You will always find up-to-date exchange rates from your preferred banks and forex offices. Simple, Clean Interface We have designed a user-friendly experience that works seamlessly across devices. Get started with minimal effort: - Select the service you want - Choose an exchange rate - Enter recipient details - Confirm and send Why Arif Remittance? - Fast and convenient international transfers - Transparent exchange rates - Wide choice of payout methods - Excellent customer support Download Arif Remittance now and experience a new standard of international money transfers fast, flexible, and tailored for your needs.

Screenshots

M4 screens
Arif Remit4 screens

Verdict

The call

The clearest difference is review sentiment: Arif Remit at 50% against M's 0%. Arif Remit also leads on rating (3.3 vs 2.5) and update cadence (weekly vs every 3 months). On price, ratings volume, ads and in-app purchases 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.

ReceptionRating · Positive reviews · Number of ratings

Arif Remit holds the better App Store score, 3.3 against 2.5. Both are backed by a comparable volume of ratings — 8 and 3 respectively. Written reviews point the same way: 0% of M's written reviews are positive against 50% of Arif Remit's.

UpkeepUpdate frequency

M ships an update every 3 months, Arif Remit weekly. The most recent releases landed on October 31, 2026 and October 24, 2026 respectively.

Scorecard3 real differences · 7 level
M versus Arif Remit: the parameters behind the verdict, then further details
ParameterMArif Remit
PriceFreeFree
Rating2.5 (8 ratings)3.3 (3 ratings) — better
Positive reviews0.0% of reviews50.0% of reviews — better
Number of ratings8 — better3
Update frequencyEvery 3 monthsWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS13.013.0
Further details — not scored
Size72 MB51 MB
Age rating17+4+
DeveloperSafaricom Telecommunications Ethiopia PlcArifpay Financial Technologies S.C

Customer experience

M

All ratings8 ratings
Positive37.5%
Neutral0.0%
Negative62.5%
Written reviews2 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Arif Remit

All ratings3 ratings
Positive66.7%
Neutral0.0%
Negative33.3%
Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

In-app purchases

None

M

No in-app purchases

None

Arif Remit

No in-app purchases

Questions

Is M free?
M is free to download, with no in-app purchases.
Is Arif Remit free?
Arif Remit is free to download, with no in-app purchases.
Which has better reviews, M or Arif Remit?
Arif Remit is rated higher. M averages 2.5 out of 5 from 8 ratings, while Arif Remit averages 3.3 from 3 ratings.
Do M or Arif Remit have ads?
Neither M nor Arif Remit shows ads.
Which is updated more often, M or Arif Remit?
M ships an update every 3 months, and Arif Remit weekly. Most recently, M was updated on October 31, 2026 and Arif Remit on October 24, 2026.

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