M vs Libam
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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.
Libam
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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 iOS requirement: M at 13.0 against Libam's 15.1. On price, update cadence, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
M ships an update every 3 months, Libam every 5 months. Both last shipped on October 11, 2026.
| Parameter | M | Libam |
|---|---|---|
| Price | Free | Free |
| Rating | 2.5 (8 ratings) — better | — |
| Positive reviews | 0.0% of reviews | — |
| Number of ratings | 8 — better | — |
| Update frequency | Every 3 months — 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 | 72 MB | 37 MB |
| Age rating | 17+ | 12+ |
| Developer | Safaricom Telecommunications Ethiopia Plc | Lumina Technologies |
In-app purchases
M
No in-app purchases
Libam
No in-app purchases








