Comparison

EgaCard vs Paymonetra

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

Head to head
About

EgaCard

Features
Read full description

EgaCard is a country-aware multi-currency wallet and payments app built for global money management. Create an account, view wallets and balances, manage supported virtual cards, send money through available local and international routes, review fees and taxes before confirming, and complete verification using the documents accepted in your country. Country-aware experience • Starts with your primary local currency • Shows supported wallets, funding methods and transfer routes • Displays configured VAT or local tax and fee breakdowns • Presents document requirements and verification steps for your country Cards and money • View and manage eligible EgaCard virtual cards • Add money through available methods • Send to EgaCard users, bank accounts or mobile money where supported • Review exchange rates, delivery estimates and transaction activity Security and control • Secure sign-in and session management • Verification status, limits and account health • Card freeze and unfreeze controls where supported • Notifications and in-app support Product availability varies by country, verification level and partner coverage. EgaCard is not a bank. Financial services are provided through regulated partners where available.

About

Paymonetra

Manage your cryptocurrency, virtual dollar cards, and pay all your bills from a single Nigerian money app. Buy and sell Bitcoin, Ethereum, and USDT with live rates, create virtual USD cards for online payments, and send money instantly to Nigerian banks.

Highlights
  • Buy and sell crypto in Naira
  • Create virtual USD cards
  • Pay for ads and subscriptions
  • Send and receive money instantly
  • Pay airtime, data, TV, and power bills
  • Secure transactions with PIN and alerts
Features
Read full description

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

EgaCard4 screens
Paymonetra4 screens

Verdict

The call

The clearest difference is update cadence: Paymonetra at every 3 days against EgaCard's every 2 weeks. Paymonetra also leads on iOS requirement (13.0 vs 15.1). 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

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

EgaCard ships an update every 2 weeks, Paymonetra every 3 days. The most recent releases landed on October 1, 2026 and October 13, 2026 respectively.

Scorecard2 real differences · 8 level
EgaCard versus Paymonetra: the parameters behind the verdict, then further details
ParameterEgaCardPaymonetra
PriceFreeFree
Rating—2.5 (2 ratings) — better
Positive reviews—50.0% of reviews
Number of ratings—2 — better
Update frequencyEvery 2 weeksEvery 3 days — better
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.113.0 — better
Further details — not scored
Size15 MB60 MB
Age rating4+4+
DeveloperEGAFORCE LLCMonetra Technologies LTD

In-app purchases

None

EgaCard

No in-app purchases

None

Paymonetra

No in-app purchases

Questions

Is EgaCard free?
EgaCard is free to download, with no in-app purchases.
Is Paymonetra free?
Paymonetra is free to download, with no in-app purchases.
Do EgaCard or Paymonetra have ads?
Neither EgaCard nor Paymonetra shows ads.
Which is updated more often, EgaCard or Paymonetra?
EgaCard ships an update every 2 weeks, and Paymonetra every 3 days. Most recently, EgaCard was updated on October 1, 2026 and Paymonetra on October 13, 2026.

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