Best Mpao Apps

170+ iOS apps curated and reviewed

4.0 avg rating
20 free apps
Updated October 2026

Pension Office is the household name in mpao, but it's far from the only option. We track 170+ alternatives and competitors on iOS — many free, many higher-rated than you'd expect.

Compare top Mpao Apps (October 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Pension OfficePension OfficeFree3.3★ (29)NoNoSep 2026
2Cash AppCash AppFree4.8★ (8.7M)NoNoOct 2026
3OPay BusinessOPay BusinessFree3.6★ (717)NoNoOct 2026
4MPay澳門錢包MPay澳門錢包Free3.1★ (40)NoNoSep 2026
5PhonePe: UPI, Gold, InsurancePhonePe: UPI, Gold, InsuranceFree4.7★ (174K)NoNoOct 2026
6PayPal - Pay, Send, SavePayPal - Pay, Send, SaveFree4.8★ (6.3M)YesNoOct 2026
7PayentryPayentryFree2.7★ (615)NoNoSep 2026
8Google MapsGoogle MapsFree4.7★ (7.4M)YesYesOct 2026

Top Picks for Mpao

Cash App#2

Cash App by Block, Inc.

Money. Debit Card. Bitcoin.
Strong Contender
💰 Finance
4.8😞(8.7M ratings)
Free
#6in Finance
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Easily send and receive money or bitcoin instantly. Save by rounding up change, invest in stocks or bitcoin, and get paid up to two days early with direct deposit. Features a customizable debit card with exclusive discounts.

What We Love

  • 💳 Easy money transferring
  • 🚀 Convenient and user-friendly app
  • 🤑 Referral bonuses and discounts
  • 🤑 Free tax filing
  • 🤑 Borrow money feature

Room to Improve

  • 🔒 Security issues and account hacking
  • 🤖 Poor customer service and lack of live support
  • 💰 Unexpected fees and charges
  • 🔍 Unclear account restrictions and limits
  • 🐛 App crashes and technical issues
3.6😞(717 ratings)
Free
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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

  • 👍 Good app functionality overall
  • 💡 Bill payment feature requested and appreciated

Room to Improve

  • 🐛 Missing loan icon in updated version
  • 🐛 Transaction history not displaying properly
  • 🐛 Sub-account creation failing on iPhone
  • 🐛 Sub-account withdrawal not working on iPhone
  • 🐛 Business account transfer features removed for Apple users
  • 🐛 Unable to buy airtime and data
  • 🐛 Unable to pay bills
  • 🐛 App showing 'Coming Soon' instead of functional features
  • 🐛 Account freezing issues
  • 🐛 Frozen accounts not unfreezing
  • 🐛 'Upgrade to latest version' message with no available update
  • 🐛 Accept large transfer not working on iOS
  • 🐛 Cannot register Nigeria phone numbers
  • 🐛 OTP only available via SMS, not email
  • 🐛 Money stuck in accounts
  • 🐛 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 Mpao apps to explore

FAQ about Mpao

What are the best mpao apps for iPhone?
Pension Office tops our mpao apps ranking as of October 2026, with a 3.3-star average from 29 App Store ratings, and it's free to download.
Yes — 20 of the top mpao apps we rank are free to download, including Pension Office and Cash App.
Pension Office has no ads and has no in-app purchases, according to its App Store listing as of October 2026.
We track 170+ mpao apps on the iOS App Store as of October 2026, ranked by rating, recency, and analysis of real user reviews.