Best Koko Pay Apps

217+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated July 2026

If you already know Kokopay, this is the deeper bench. 217+ koko pay apps for iPhone, all reviewed and ranked by user rating, recency, and download trend as of July 2026.

Compare top Koko Pay Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1KokopayKokopayFree4.0★ (29)NoNoJul 2026
2Mintpay | Pay Better.Mintpay | Pay Better.Free4.6★ (132)NoNoJul 2026
3KokosendKokosendFree4.3★ (38)NoNoMay 2026
4Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (831K)YesNoJul 2026
5Alior KidsAlior KidsFreeNoNoMay 2026
6Temu: 억만장자처럼 쇼핑하기Temu: 억만장자처럼 쇼핑하기Free4.7★ (2.2M)NoNoJul 2026
7YouTubeYouTubeFree4.7★ (48M)YesYesJul 2026
8Factly - Learn something newFactly - Learn something newFree4.7★ (192)NoYesJul 2026

Top Picks for Koko Pay

Kokopay#1

Kokopay by KOKOSEND LIMITED

Editor's Choice
💰 Finance
4.0(29 ratings)
Free
Kokopay screenshot 1
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Kokopay screenshot 5

This app offers a fast and secure platform for managing and paying bills across Africa. It consolidates various payment needs into a single, user-friendly interface.

Mintpay | Pay Better.#2

Mintpay | Pay Better. by Mintpay (Private) Limited

Unlimited Cashback I Pay in 3
Strong Contender
🛍️ Shopping
4.6(132 ratings)
Free
Mintpay | Pay Better. screenshot 1
Mintpay | Pay Better. screenshot 2
Mintpay | Pay Better. screenshot 3
Mintpay | Pay Better. screenshot 4
Mintpay | Pay Better. screenshot 5
Mintpay | Pay Better. screenshot 6

Shop smarter and earn rewards with this payment app. Choose to pay now for instant cashback in loyalty coins or pay later in three interest-free installments. Redeem your earned coins across a wide network of partner brands.

Kokosend#3

Kokosend by KOKOSEND LIMITED

Worth Considering
💰 Finance
4.3(38 ratings)
Free
Kokosend screenshot 1
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Kokosend screenshot 4

This application facilitates rapid money transfers throughout Africa. It is designed for quick and efficient cross-border financial transactions within the continent.

More Koko Pay apps to explore

4
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Shop & Pay in 4¹
Free

Split purchases into 4 or 8 interest-free installments, paid bi-weekly. Use online or in-store with a virtual or physical card. Earn cashback and potentially increase spending power with on-time payments.

Split payments into 4 or 8 installmentsBi-weekly payment scheduleVirtual and physical payment cards
🛍️ Shopping
(831K)
free with in-app purchases
5
Alior Kids
Alior Kids
Alior Kids
by ALIOR BANK S.A.
Free

This app introduces children aged 7-12 to personal finance in a safe and engaging way. It features virtual savings jars, transaction tracking, and payment card management, all overseen by parents through a linked mobile banking app.

Virtual savings jars with personalizationTransaction history and balance overviewPayment card management and limits
💰 Finance
(0)
free
6
Temu: 억만장자처럼 쇼핑하기
Temu: 억만장자처럼 쇼핑하기
Temu: 억만장자처럼 쇼핑하기
역대급 할인 혜택을 Temu에서 만나보세요!
Free

Discover a vast selection of products across fashion, home decor, beauty, and more. Enjoy daily deals, fast and secure checkout, and free shipping and returns. Shop for a wide variety of items at competitive prices.

Wide product selectionDaily dealsFast and secure checkout
🛍️ Shopping
(2.2M)
free with in-app purchases
7
YouTube
YouTube
YouTube
Videos, Music and Live Streams
Free

Watch and subscribe to a vast array of videos, from music and gaming to news and learning. Discover trending content, connect with creators, and even upload your own videos. Offers options for ad-free viewing and exclusive perks.

Personalized video recommendationsSubscribe to favorite channelsExplore trending and popular content
📷 Photo & Video
(48M)
free with in-app purchases
8
Factly - Learn something new
Factly - Learn something new
Factly - Learn something new
Random interesting funny facts
Free

Discover surprising and entertaining facts daily to expand your knowledge. This app offers a vast collection of verified information across various categories, with features to save, share, and customize your learning experience.

Explore facts by scrollingVerified facts with Google searchThousands of facts by category
📚 Education
(192)
free with in-app purchases
9
ZayZoon - Wages On-Demand
ZayZoon - Wages On-Demand
ZayZoon - Wages On-Demand
Benefit for Eligible Employees
Free

Access your earned wages instantly, any day of the week, to avoid late fees and payday loans. This app offers financial wellness tools like overdraft prediction and educational resources. It also provides options for increased spending power on gift cards for essentials.

Instant wage accessAvoid payday loansOverdraft prediction
💰 Finance
(36K)
free with in-app purchases
10
Chipper Cash
Chipper Cash
Chipper Cash
Send or Request Cash in Africa
Free

Send and receive money instantly and for free across town or across Africa. This app facilitates fast, fee-free local transfers and offers competitive rates for cross-border transactions. It also allows for discounted airtime purchases and bill payments.

Free local money transfersLow cross-border ratesBuy discounted airtime with cashback
💰 Finance
(15K)
free
11
Facebook
Facebook
Facebook
Explore the things you love
Free

Connect with friends and discover communities based on your interests. Share moments, explore content, and use AI tools to express yourself creatively. Find unique items and engage with creators.

Personalized feedMarketplace shoppingAI-powered content creation
🌐 Social Networking
(27M)
free with in-app purchases
12
Rain Instant Pay
Rain Instant Pay
Rain Instant Pay
Unlock your employer benefits!
Free

Access your earned wages and employer benefits instantly, anytime. Track your earnings, gain financial insights, and utilize a full suite of financial tools. Manage your money on your terms with secure, on-demand access.

Instant access to earned wagesTrack earnings in real-timeFinancial coaching and education
💼 Business
(40K)
free
13
GO2bank: Mobile banking
GO2bank: Mobile banking
GO2bank: Mobile banking
Mobile bank that works for you
Free

This mobile banking app simplifies money management with features like early direct deposit, high-yield savings, and overdraft protection. It offers transparent banking with no hidden fees and tools to build credit. Secure and convenient access to funds nationwide.

Early direct depositHigh-yield savings accountOverdraft protection
💰 Finance
(63K)
free
14
Tamara | Shop Now Pay Later
Tamara | Shop Now Pay Later
Tamara | Shop Now Pay Later
Pay in up to 24, No late fees
Free

This financial super-app offers flexible payment options, allowing you to shop now and pay later in installments or in full. Enjoy exclusive deals, cashback rewards, and buyer protection for a secure and seamless shopping experience.

Pay in installments or in fullSign up in minutesShop at thousands of partners
💰 Finance
(59K)
free
15
Suave: Buy now, pay later.
Suave: Buy now, pay later.
Suave: Buy now, pay later.
Easy shopping.
Free

Shop for items you need and pay them off over time with flexible monthly payment plans. Get prequalified instantly, then use the app to manage your purchases and payments at your favorite stores.

Pay in 4, 6, or 12 monthly installmentsInstant prequalificationShop at favorite stores
🛍️ Shopping
(709)
free
16
rapid! Pay
rapid! Pay
rapid! Pay
rapid! Access PayCard OnDemand
Free

Access your PayCard and on-demand earnings instantly. Manage your accounts, transfer funds, deposit checks remotely, and pay bills. Earn cash back rewards and find nearby ATMs.

Activate/replace PayCardView balances and transaction historyTransfer funds between accounts
💰 Finance
(185K)
free
17
Afterpay: Pay over time
Afterpay: Pay over time
Afterpay: Pay over time
Shop Now. Split your payments.
Free

Shop your favorite brands online or in-store and split your purchases into manageable payments. Get what you want now and pay over time with flexible installment plans, including options to pay in 4 installments or monthly.

Split purchases into 4 paymentsMonthly payment options availableDiscover exclusive deals and brands
🛍️ Shopping
(752K)
free with in-app purchases
18
payme - переводы и платежи
payme - переводы и платежи
payme - переводы и платежи
Оплата услуг, интернета и ЖКХ
Free

This app simplifies your financial life by allowing you to pay bills, transfer money, and manage expenses all in one place. Enjoy commission-free payments, earn bonuses, and even pay in stores using QR codes. Track your spending with detailed analytics and access exclusive features with a subscription.

Pay bills and fines without commissionCard-to-card money transfersEarn bonuses and cashback
💰 Finance
(8.3K)
freemium
19
Xpress Bill Pay
Xpress Bill Pay
Xpress Bill Pay
The trusted way to pay
Free

This app allows users to pay bills quickly and securely through partnerships with local city and billing organizations. It simplifies the payment process by letting you select your provider, look up your account, and set up auto-pay. Receive real-time alerts and pay using various methods.

Quick and secure bill paymentsPartnerships with local billing organizationsAuto-pay functionality
💰 Finance
(25K)
free
20
Kuto Pay
Kuto Pay
Kuto Pay
A better way to pay.
Free

This app offers a novel payment method, allowing users to pay with just their name at select establishments. It provides a streamlined and convenient alternative to traditional payment methods.

Pay with your nameParticipating locationsStreamlined payment
💰 Finance
(60)
free

FAQ about Koko Pay

What are the best koko pay apps for iPhone?
Kokopay tops our koko pay apps ranking as of July 2026, with a 4.0-star average from 29 App Store ratings, and it's free to download.
Yes — 20 of the top koko pay apps we rank are free to download, including Kokopay and Mintpay | Pay Better..
Kokopay has no ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 217+ koko pay apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
Kokopay is designed to be the fastest and safest all-in-one bill payment application specifically for users within Africa. It aims to simplify the process of paying various bills through a single platform.
The app's primary features include fast bill payment processing and secure transaction capabilities. It functions as an all-in-one platform, consolidating multiple payment needs for users across Africa.