Comparison

ASM Money Transfer vs OjaCircle

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

ASM Money Transfer

Features
Read full description

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!

About

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.

Highlights
  • Rotating savings traditions
  • Contribution and payout tracking
  • Multi-currency wallet
  • Smart reminders
  • Trust scores
  • Identity verification
Features
Read full description

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

ASM Money Transfer4 screens
OjaCircle4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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.

UpkeepUpdate frequency

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.

Scorecard2 real differences · 8 level
ASM Money Transfer versus OjaCircle: the parameters behind the verdict, then further details
ParameterASM Money TransferOjaCircle
PriceFreeFree
Rating—5.0 (3 ratings) — better
Positive reviews—100.0% of reviews
Number of ratings—3 — better
Update frequencyEvery 2 monthsEvery 2 weeks — better
AdsNoNo
In-app purchasesNo — betterYes
Monetization—Freemium
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS13.013.0
Further details — not scored
Size57 MB80 MB
Age rating12+4+
DeveloperASM MONEY TRANSFER SERVICE LLCOjawaju LLC

In-app purchases

None

ASM Money Transfer

No in-app purchases

4 purchases

OjaCircle

Subscriptions4
  • Premium Monthly$2.991 Month
  • Pro Monthly$5.991 Month
  • Premium Yearly$29.991 Year
Show 1 more
  • Pro Yearly$59.991 Year

Questions

Is ASM Money Transfer free?
ASM Money Transfer is free to download, with no in-app purchases.
Is OjaCircle free?
OjaCircle is free to download, with in-app purchases available.
Do ASM Money Transfer or OjaCircle have ads?
Neither ASM Money Transfer nor OjaCircle shows ads.
Which is updated more often, ASM Money Transfer or OjaCircle?
ASM Money Transfer ships an update every 2 months, and OjaCircle every 2 weeks. Most recently, ASM Money Transfer was updated on September 10, 2026 and OjaCircle on July 23, 2026.

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