Aella MFB vs EarnIT.ng
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Aella MFB
This finance app offers loans, investments, bill payments, and micro-insurance. It simplifies financial access for individuals and businesses, especially in emerging markets, by leveraging technology. Features include address verification through location monitoring for enhanced transaction limits.
- Loans
- Investments
- Bill payments
- Micro-insurance
- Peer-to-peer transfers
- Address verification via location monitoring
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Aella MFB takes the hassle out of Finance - whether you are a business or an individual, we put control back in your hands with simple, straightforward products. Our "true north" is designed to help customers build financial independence by building simple products; loans, investments, bill payments, micro-insurance plans, and peer-to-peer money transfers. Why Aella MFB? We exist to simplify and open up financial access for all in emerging markets - by leveraging technology and widespread mobile adoption, we build products to make an impact at the frontier of Financial Inclusion. Our app has a feature for verifying addresses, which requires the ability to monitor regions and receive location updates in the background. This feature is essential for accurately verifying a user's address and providing access to higher loan limits and tier 3 level transaction limits. We have created a video showcasing this feature, which we have attached for your reference. You can see in the video how the app monitors a user's location and registers a region around their address. Once the user has visited the region a certain number of times, the address is verified. We understand that enabling the "Location" background mode can have an impact on battery life, and we have taken steps to minimize this impact. For example, we only monitor regions that are explicitly registered by the user and don't monitor location updates when the user is outside registered region. We believe that our use of the "Location" background mode is essential for the core functionality of our app and we have demonstrated this in the video.
EarnIT.ng
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EarnIT is Nigeria's digital earning app. Earn real money completing simple social media tasks, pay your utility bills at the best rates, and trade on a trusted marketplace. All in one place. Like, share, follow, comment, or promote content and get paid in naira straight to your wallet. Withdraw to any Nigerian bank account anytime. Built for creators, students, side hustlers, small business owners, and everyday Nigerians. Trusted by thousands of users across the country. HOW IT WORKS - Complete short social media tasks (follow, like, comment, share, watch) - Get paid to your EarnIT wallet once approved - Withdraw to any Nigerian bank account - Invite friends and earn referral bonuses on every transaction - Level up to unlock higher rewards KEY FEATURES - Real-time task feed with fresh opportunities daily - Bill payments with cashback on every transaction - Marketplace to buy and sell across Nigeria - Referral system with lifetime bonuses - Levels and badges that unlock as you earn - Fast bank withdrawals to any Nigerian account - Manual task review to keep the platform fair - Secure wallet with end-to-end encryption PAY BILLS INSTANTLY - Airtime: MTN, Airtel, Glo, 9mobile - Data bundles at discounted rates - Electricity (prepaid and postpaid) for all distribution companies - Cable TV: DSTV, GOtv, StarTimes - Education: WAEC, NECO, JAMB MARKETPLACE Buy and sell anything across Nigeria. Phones, fashion, electronics, vehicles, property, and more. List for free, feature your items to reach more buyers, chat directly with sellers. SECURE WALLET All transactions encrypted and protected. Free deposits. Withdraw to any Nigerian bank account anytime. WHY USERS LOVE EARNIT - Real cash, not points or vouchers - Instant credit on approved tasks - Transparent fees with no hidden charges - 24/7 in-app support - Built and operated in Nigeria Whether you are earning your first NGN 5,000 online, paying your monthly DSTV, or finding a great deal on a phone, EarnIT is built for you. Download EarnIT today and turn your time into real money. Visit earnit.ng Support: support@earnit.ng Ocean Trends Digital Limited
Screenshots
Verdict
The clearest difference is update cadence: EarnIT.ng at every 2 days against Aella MFB's monthly. EarnIT.ng also leads on iOS requirement (13.0 vs 15.6). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Aella MFB ships an update monthly, EarnIT.ng every 2 days. The most recent releases landed on September 28, 2026 and September 21, 2026 respectively.
| Parameter | Aella MFB | EarnIT.ng |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (181 ratings) — better | — |
| Positive reviews | 50.0% of reviews | — |
| Number of ratings | 181 — better | — |
| Update frequency | Monthly | Every 2 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.6 | 13.0 — better |
| Further details — not scored | ||
| Size | 116 MB | 24 MB |
| Age rating | 4+ | 4+ |
| Developer | Aella Microfinance Bank Limited | Ocean Trends Digital Limited |
In-app purchases
Aella MFB
No in-app purchases
EarnIT.ng
No in-app purchases









