# MoMo PSB NG vs Xpend

The clearest difference is ads: Xpend at none against MoMo PSB NG's shown. MoMo PSB NG's advantage is iOS requirement (13.0 vs 15.1). On price, update cadence, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

MoMo PSB NG ships an update every 5 days, Xpend every 8 days. The most recent releases landed on October 28, 2026 and October 6, 2026 respectively.

## The numbers

| Metric | MoMo PSB NG | Xpend |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.6 (149 ratings)](https://appshunter.io/ios/app/momo-psb-ng/id6748454264/reviews)** | — |
| Number of ratings | **149** | — |
| Positive reviews | 37.9% of reviews | — |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Every 5 days** | Every 8 days |
| Monetization | Ad-supported | — |
| Size | 168 MB | 38 MB |
| Requires iOS | **13.0** | 15.1 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 17+ | 17+ |
| Developer | [MTN FINTECH(PTY) LTD](https://appshunter.io/developer/1756760151) | [Justxpend Technologies](https://appshunter.io/developer/1896277755) |

## What reviewers say

### MoMo PSB NG

[App page](https://appshunter.io/ios/app/momo-psb-ng/id6748454264)

Manage your finances with this mobile money app, offering services for sending, spending, saving, and bill payments. It also provides virtual and physical debit cards for online and in-store transactions. Currently available only to customers in Nigeria.

**Highlights:** Send and receive money, Buy airtime and data, Make bill payments, Save and manage savings, Physical MoMo debit card, Virtual MoMo card, Check balance and transactions

**In-app purchases:** none


### Xpend

[App page](https://appshunter.io/ios/app/xpend/id6766335303)

**In-app purchases:** none


## Frequently asked questions

### Is MoMo PSB NG free?

MoMo PSB NG is free to download, with no in-app purchases.

### Is Xpend free?

Xpend is free to download, with no in-app purchases.

### Do MoMo PSB NG or Xpend have ads?

MoMo PSB NG shows ads; Xpend does not.

### Which is updated more often, MoMo PSB NG or Xpend?

MoMo PSB NG ships an update every 5 days, and Xpend every 8 days. Most recently, MoMo PSB NG was updated on October 28, 2026 and Xpend on October 6, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*