MoMo PSB NG vs Paymonetra
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
MoMo PSB NG
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.
- 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
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This app and its services are currently only available to customers in Nigeria. MoMo, your everyday money app. Now available in Nigeria, the Mobile Money (MoMo) App gives you a simple way to send, spend, save, and manage your money — all in one place. MoMo is MTN’s digital financial services platform, connecting millions of customers to financial services across Africa. With your MoMo wallet you can: - Transfer money quickly and conveniently. - Buy airtime and data for yourself, friends, and family. - Conveniently make bill payments. - Save and manage your savings directly in the app. - Get a physical MoMo debit card which you can use to pay in-store and online, and withdraw cash. - Get a MoMo virtual card on the app which you can use to pay online. - Check your balance and transactions. Backed by MTN and built on MoMo’s experience delivering digital financial services across Africa, the MoMo App gives you a simple, convenient way to manage your money in Nigeria.
Paymonetra
Manage your finances with a Nigerian app offering crypto trading, virtual dollar cards, and bill payments. Send and receive money instantly, and pay for airtime, data, and utilities.
- Buy and sell crypto in Naira
- Virtual USD card for international payments
- Send and receive money to Nigerian banks
- Pay for airtime, data, TV, and power
- Secure transactions with PIN and alerts
- Funds held with licensed partner banks
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Paymonetra is one Nigerian money app for crypto, dollar cards and every bill you pay. BUY AND SELL CRYPTO IN NAIRA Six coins including Bitcoin, Ethereum and USDT. You see the live rate and exactly what you get before you confirm, and the price is locked while you decide. Settled straight to your naira wallet. A DOLLAR CARD THAT WORKS ABROAD Create a virtual USD card in minutes and pay for ads, subscriptions and anything else priced in dollars. Every fee is shown before you create it: creation, monthly and per transaction. Freeze it in one tap, set spending limits, and choose where it works. SEND AND RECEIVE MONEY Transfer to any Nigerian bank in seconds. The recipient name confirms before you pay, so you never send to the wrong account. Money in lands on your own dedicated account number. AIRTIME, DATA, TV AND POWER Every network and every provider in one list. MTN, Glo, Airtel and 9mobile. DStv, GOtv and Startimes. Electricity tokens delivered in seconds. BUILT TO BE TRUSTED Funds are held with CBN licensed, NDIC insured partner banks. Card infrastructure is PCI-DSS compliant. Every transaction needs your PIN, and you get an alert the moment your card is used. Download Paymonetra and do it all from one balance.
Screenshots
Verdict
The clearest difference is ads: Paymonetra at none against MoMo PSB NG's shown. Paymonetra also leads on monetization model (free vs ad-supported) and review sentiment (50% vs 38%). MoMo PSB NG's advantage is ratings volume (157 vs 2) and chart position (#162 vs unranked). On price, rating, update cadence 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.
MoMo PSB NG holds the better App Store score, 2.7 against 2.5. That said, the two scores are not equally well evidenced: MoMo PSB NG has 157 ratings behind it against 2, so its average is the more settled of the two. Written reviews complicate that: 38% of MoMo PSB NG's written reviews are positive against 50% of Paymonetra's, so the app with the better star average is not the one people write more warmly about.
MoMo PSB NG ships an update every 5 days, Paymonetra every 4 days. The most recent releases landed on November 8, 2026 and November 10, 2026 respectively.
| Parameter | MoMo PSB NG | Paymonetra |
|---|---|---|
| Price | Free | Free |
| Rating | 2.7 (157 ratings) — better | 2.5 (2 ratings) |
| Positive reviews | 37.9% of reviews | 50.0% of reviews — better |
| Number of ratings | 157 — better | 2 |
| Update frequency | Every 5 days | Every 4 days — better |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Best chart rank | #162 — better | — |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 — better | 15.5 |
| Further details — not scored | ||
| Size | 168 MB | 90 MB |
| Age rating | 17+ | 4+ |
| Developer | MTN FINTECH(PTY) LTD | Monetra Technologies LTD |
Customer experience
MoMo PSB NG
Paymonetra
In-app purchases
MoMo PSB NG
No in-app purchases
Paymonetra
No in-app purchases
