ASM Money Transfer vs OjaCircle
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
ASM Money Transfer
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ASM Money Transfer – Fast, Secure & Affordable Global Transfers Send money home with confidence using ASM Money Transfer — the easiest way to send funds to Gambia and beyond. Enjoy lower fees, better exchange rates, and instant transfers right from your phone. Whether you’re helping family, supporting friends, or managing finances abroad, ASM ensures every transfer is fast, secure, and reliable. Why Choose ASM? - Lower Fees, Better Rates – Keep more of your money every time you send. - Send Anytime – Day or night, transfer funds instantly. - Encrypted & Secure – Top-level protection with every transaction. - Live Rate Tracking – Monitor real-time exchange rates directly in the app. - Fast Gambia Transfers – Your loved ones receive funds in minutes. - Trusted by Many – Used by students, professionals, parents & families worldwide. How It Works - Create an Account – Sign up with your phone or email. - Add Payment Info – Enter recipient details and amount. - Send & Relax – ASM delivers your funds quickly and safely. - Who Uses ASM? - Students – Support loved ones from abroad. - Parents – Manage family needs across borders. - Professionals – Send earnings home easily. - Everyone – Anyone who values speed, savings & security. Benefits - Send from Your Phone – No queues, no delays, full control anytime. - Safe & Reliable – Encrypted technology for total peace of mind. - Fast Transfers – Funds delivered within minutes. - One App, One Goal – Simple, secure, and affordable transfers every time. Download ASM Money Transfer today and experience smarter, faster, and safer remittances to Gambia!
OjaCircle
This app facilitates group savings traditions like ajo, esusu, and susu. It allows users to create circles with trusted individuals, manage contributions, and track payouts seamlessly. Features include multi-currency wallets, smart reminders, and trust scores.
- Rotating savings traditions
- Contribution and payout tracking
- Multi-currency wallet
- Smart reminders
- Trust scores
- Identity verification
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OjaCircle — Save together with people you trust. A modern home for ajo, esusu, susu, and chama: the rotating savings traditions where members contribute on a schedule and take turns receiving the pooled payout. Start a circle with friends, family, or community. The app handles rotations, reminders, and contribution tracking — no spreadsheets, no chasing. Features Multi-currency wallet (NGN, USD, GBP, KES, GHS, ZAR) Real-time contribution and payout tracking Rewards for consistent participation Referral program Trust scores built from contribution history Identity verification Bank deposits and withdrawals Smart reminders Built for community — from Lagos and Accra to London and New York. Modern security with encryption and fraud monitoring. Start saving together today. Terms of Use: https://ojacircle.com/terms · Privacy Policy: https://ojacircle.com/privacy
Screenshots
Verdict
The clearest difference is in-app purchases: ASM Money Transfer at none against OjaCircle's 4. OjaCircle's advantage is update cadence (every 2 weeks vs every 2 months). On price, ads, device support and iOS requirement 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. OjaCircle sells 4 in-app purchases, starting at $2.99 per month. ASM Money Transfer asks for nothing beyond the download.
ASM Money Transfer ships an update every 2 months, OjaCircle every 2 weeks. The most recent releases landed on September 10, 2026 and July 23, 2026 respectively.
| Parameter | ASM Money Transfer | OjaCircle |
|---|---|---|
| Price | Free | Free |
| Rating | — | 5.0 (3 ratings) — better |
| Positive reviews | — | 100.0% of reviews |
| Number of ratings | — | 3 — better |
| Update frequency | Every 2 months | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | — | Freemium |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 13.0 | 13.0 |
| Further details — not scored | ||
| Size | 57 MB | 80 MB |
| Age rating | 12+ | 4+ |
| Developer | ASM MONEY TRANSFER SERVICE LLC | Ojawaju LLC |
In-app purchases
ASM Money Transfer
No in-app purchases
OjaCircle
- Premium Monthly$2.991 Month
- Pro Monthly$5.991 Month
- Premium Yearly$29.991 Year
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- Pro Yearly$59.991 Year





