Best Melakapay Apps

250+ iOS apps curated and reviewed

4.2 avg rating
20 free apps
Updated September 2026

Every iPhone needs a few good melakapay apps. We benchmark 250+ of them on App Store rating, freshness, and pricing, then surface the standouts so you don't have to scroll the App Store yourself.

Compare top Melakapay Apps (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1MelakaPayMelakaPayFreeβ€”NoNoJun 2026
2Moniepoint Personal BankingMoniepoint Personal BankingFree4.6β˜… (31K)NoNoSep 2026
3OPay BusinessOPay BusinessFree3.6β˜… (657)NoNoSep 2026
4PhonePe UPI, Payment, RechargePhonePe UPI, Payment, RechargeFree4.7β˜… (170K)NoNoSep 2026
5bKashbKashFree3.9β˜… (11K)NoNoSep 2026
6AsiaPayAsiaPayFree3.4β˜… (159)NoNoSep 2026
7Paytm: Secure UPI PaymentsPaytm: Secure UPI PaymentsFree4.7β˜… (39K)YesNoSep 2026
8Instapay eWalletInstapay eWalletFree4.4β˜… (20)YesNoAug 2026

Top Picks for Melakapay

Moniepoint Personal Banking#2

Moniepoint Personal Banking by Moniepoint

Savings account | Send money
Strong Contender
πŸ’° Finance
4.6😞(31K ratings)
Free
Moniepoint Personal Banking screenshot 1
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Moniepoint Personal Banking screenshot 4
Moniepoint Personal Banking screenshot 5
Moniepoint Personal Banking screenshot 6

This app provides a secure and convenient way to manage your finances in Nigeria. Open an account, send and receive money instantly, pay bills, buy airtime, and grow your savings with competitive interest rates. It offers a comprehensive digital banking solution for everyday financial needs.

What We Love

  • πŸš€ Fast transactions
  • πŸ‘ Smooth onboarding
  • πŸ”’ Secure banking
  • πŸ’‘ Innovative features

Room to Improve

  • πŸ› Login issues
  • πŸ› Transfer failures
  • πŸ”’ Account restrictions
  • πŸ’Έ Unexpected charges
3.6😞(657 ratings)
Free
OPay Business screenshot 1
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OPay Business screenshot 4
OPay Business screenshot 5
OPay Business screenshot 6

This app empowers Nigerian businesses with a comprehensive financial management suite. It offers diverse payment collection methods, employee and store management, and access to over 200 billers for seamless operations and growth.

What We Love

  • πŸ‘ Good app functionality overall
  • πŸ’‘ Bill payment feature requested and appreciated

Room to Improve

  • πŸ› Missing loan icon in updated version
  • πŸ› Transaction history not displaying properly
  • πŸ› Sub-account creation failing on iPhone
  • πŸ› Sub-account withdrawal not working on iPhone
  • πŸ› Business account transfer features removed for Apple users
  • πŸ› Unable to buy airtime and data
  • πŸ› Unable to pay bills
  • πŸ› App showing 'Coming Soon' instead of functional features
  • πŸ› Account freezing issues
  • πŸ› Frozen accounts not unfreezing
  • πŸ› 'Upgrade to latest version' message with no available update
  • πŸ› Accept large transfer not working on iOS
  • πŸ› Cannot register Nigeria phone numbers
  • πŸ› OTP only available via SMS, not email
  • πŸ› Money stuck in accounts
  • πŸ› Discrepancies in account balance
  • 😞 Poor customer service response
  • 😞 Confusing UI between OPay and OPay Business
  • 😞 App slower than previous version
  • 😞 Less user-friendly than previous version
  • 😞 iOS version lacks features available on Android
  • 😞 Forced merchant account integration unwanted by users

More Melakapay apps to explore

FAQ about Melakapay

Are there free melakapay apps for iPhone?
Yes β€” 20 of the top melakapay apps we rank are free to download, including MelakaPay and Moniepoint Personal Banking.
MelakaPay has no ads and has no in-app purchases, according to its App Store listing as of September 2026.
We track 250+ melakapay apps on the iOS App Store as of September 2026, ranked by rating, recency, and analysis of real user reviews.
You can use this app to make payments for various Melaka State government services. This includes taxes, compounds, education loan repayments, and other bills issued by Melaka State government agencies.
The app specifically supports payment services for Melaka State government agencies. It is designed to streamline transactions with these entities.