PesaPap vs My
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PesaPap
Manage your finances effortlessly with this secure banking app. Send money, pay bills, apply for loans, and track expenses all from your mobile device. Enjoy instant account opening and card management features for a seamless banking experience.
- Instant loans
- KPLC prepaid payments
- Card management
- Instant account opening
- Money transfers
- Bill payments
- Smart expense tracking
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Bank Smarter with PesaPap – By Family Bank Experience the power of effortless banking with PesaPap, the sleek and secure mobile app from Family Bank. Built around your feedback, PesaPap blends speed, simplicity, and security in one vibrant, easy-to-use platform — giving you full control of your finances anytime, anywhere. Whether you're sending money, paying bills, or applying for a loan, PesaPap makes it all seamless. What You Can Do with PesaPap: • Instant Loans Apply and receive quick, flexible loans with fast approvals — perfect for those urgent needs. • KPLC Prepaid Payments Buy electricity tokens instantly, with meter validation and SMS alerts. • Card Management View credit card balances, track transactions, freeze cards, or set spending limits — all in real-time. • Instant Account Opening Start banking in just minutes — no paperwork or branch visits required. • Money Transfers Send funds locally or internationally in seconds, securely and conveniently. • Bill Payments Pay for E-Citizen services, KRA, water, school fees, and TV subscriptions — all in one place. • RTGS with Purpose Codes Make high-value transfers using CBK-compliant purpose codes — fast, clear, and compliant. • Smart Expense Tracking Monitor and manage your spending with built-in financial tools. • Savings & Insurance Grow your wealth and protect your future with our savings and insurance solutions. Why Choose PesaPap? • Fast & Convenient – Bank on your schedule, no queues or delays. • Secure – Your information and money are protected. • Customer-Centric – Built with your feedback for a seamless experience. Download PesaPap today and enjoy banking bila stress! Regulated by the Central Bank of Kenya.
My
Manage your mobile money transactions with ease. View your balance, send money, pay bills, and buy goods and services quickly. Secure login with biometrics and convenient access to frequent contacts and payment options.
- View M-PESA balance
- Biometric login
- Send money via QR, contacts, or favorites
- Pay bills easily
- Buy goods and services
- Withdraw cash
- Buy airtime
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Your Entire Digital Life in One Place My OneApp brings together everything you need—your M‑PESA balance, airtime, data, SMS, Bonga points, and essential services—right on your home screen. No switching between apps. No hassle. A Fresh New Experience Get instant visibility of what matters most from your M-PESA, bundle and even bonga balance Simpler Navigation Access your quick actions and frequent transactions faster Do More With Your Money Unlock more possibilities with M‑PESA – Invest, Borrow, Insure Connectivity Made Easy Buy airtime, data bundles, and home fibre quickly and conveniently Make Payments Faster Pay quickly and securely with Scan to Pay QR, AI Pay and NFC payments Care, Right at Your Fingertips Handle essential support requests directly from your phone
Screenshots
Verdict
The clearest difference is review sentiment: My at 90% against PesaPap's 0%. My also leads on rating (3.8 vs 2.3) and update cadence (monthly vs every 3 months). PesaPap's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, in-app purchases, 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. Neither carries in-app purchases, so what you see is what you pay.
My holds the better App Store score, 3.8 against 2.3. That said, the two scores are not equally well evidenced: My has 187 ratings behind it against 12, so its average is the more settled of the two. Written reviews point the same way: 0% of PesaPap's written reviews are positive against 90% of My's.
PesaPap ships an update every 3 months, My monthly. The most recent releases landed on June 21, 2026 and September 26, 2026 respectively.
| Parameter | PesaPap | My |
|---|---|---|
| Price | Free | Free |
| Rating | 2.3 (12 ratings) | 3.8 (187 ratings) — better |
| Positive reviews | 0.0% of reviews | 89.6% of reviews — better |
| Number of ratings | 12 | 187 — better |
| Update frequency | Every 3 months | Monthly — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 12.0 — better | 13.0 |
| Further details — not scored | ||
| Size | 31 MB | 248 MB |
| Age rating | 4+ | 9+ |
| Developer | FAMILY BANK KENYA | Safaricom Limited |
Customer experience
PesaPap
My
Bugs and requests
PesaPap
Not enough reviews yet to summarise bugs or requests.
My
Reported bugs
3 issues- Incomplete or missing transaction details
- Issues with reversing or recovering sent payments
- Compatibility problems on certain devices or OS versions
Requested features
4 requests- Allow customization of transaction categories
- Improve transaction history and statement viewing
- Provide offline access or data-free usage
- Integrate with other financial apps and services
In-app purchases
PesaPap
No in-app purchases
My
No in-app purchases
