Best Palmpay Apps

219+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated July 2026

Looking for free palmpay apps? 20 of our 219+ tracked titles are free to download — no subscription, no trial. The rest are premium picks worth paying for.

Compare top Palmpay Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Kuda - Free transfer & paymentKuda - Free transfer & paymentFree4.7★ (132K)NoNoAug 2026
2Moniepoint Personal BankingMoniepoint Personal BankingFree4.6★ (30K)NoNoAug 2026
3WhatsApp BusinessWhatsApp BusinessFree4.7★ (1.5M)YesYesAug 2026
4OPay BusinessOPay BusinessFree3.6★ (465)NoNoAug 2026
5Moniepoint Business BankingMoniepoint Business BankingFree4.6★ (15K)YesNoAug 2026
6SnapchatSnapchatFree4.5★ (5.9M)YesYesAug 2026
7FairMoney: Loan App In NigeriaFairMoney: Loan App In NigeriaFree4.6★ (14K)NoNoAug 2026
8WhatsApp MessengerWhatsApp MessengerFree4.7★ (18M)YesYesAug 2026

Top Picks for Palmpay

Kuda - Free transfer & payment#1

Kuda - Free transfer & payment by Kuda Technologies Limited

Pay, save & invest money
Editor's Choice
💰 Finance
4.7😞(132K ratings)
Free
Kuda - Free transfer & payment screenshot 1
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Kuda - Free transfer & payment screenshot 3
Kuda - Free transfer & payment screenshot 4
Kuda - Free transfer & payment screenshot 5
Kuda - Free transfer & payment screenshot 6

Manage your finances with a digital bank account. Easily make payments, save money with automated features, and invest in stocks. Enjoy free transfers and premium rewards.

What We Love

  • 🚀 Easy to Use
  • 👍 Ease of use
  • 🚀 Exceptional Service
  • 🚀 Smooth Banking

Room to Improve

  • 🐛 Locking Users Out Through Forced Updates
  • 🐛 Face ID Not Working
  • 🐛 Debit But Not Credited
Moniepoint Personal Banking#2

Moniepoint Personal Banking by Moniepoint

Savings account | Send money
Strong Contender
💰 Finance
4.6😞(30K 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

  • 🚀 Fast transactions
  • 👍 Smooth onboarding
  • 🔒 Secure banking
  • 💡 Innovative features

Room to Improve

  • 🐛 Login issues
  • 🐛 Transfer failures
  • 🔒 Account restrictions
WhatsApp Business#3

WhatsApp Business by WhatsApp Inc.

Worth Considering
💼 Business
4.7😐(1.5M ratings)
FreeAdsIn-App Purchases
#16in Business
WhatsApp Business screenshot 1
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WhatsApp Business screenshot 3
WhatsApp Business screenshot 4
WhatsApp Business screenshot 5
WhatsApp Business screenshot 6

This app offers business tools to help you work smarter, build trust, and grow your customer base. It provides automated messages, organized conversations, and a professional profile to enhance customer interactions and sales.

What We Love

  • 🚀 Excellent communication tool
  • 👍 User-friendly interface
  • 🔒 Secure messaging
  • 💡 Helpful business features

Room to Improve

  • 🐛 Frequent app crashes and hangs
  • 🔍 Lack of customer support
  • 🔒 Privacy concerns with account suspensions

More Palmpay apps to explore

4
OPay Business
OPay Business
OPay Business
by OPay Digital Services Pte.Ltd.
Free

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.

Omnichannel payment collectionUnique account for transfersPOS application and management
💰 Finance
(465)
free
5
Moniepoint Business Banking
Moniepoint Business Banking
Moniepoint Business Banking
Mobile bank account|POS|Loans
Free

This app offers comprehensive mobile banking solutions for businesses. It allows users to open business accounts, accept payments, manage expenses with dedicated cards, purchase airtime, and pay bills. Businesses can also request POS terminals and access savings plans to grow their reserves.

Business bank account creationAccept online and offline paymentsPOS terminal requests
💰 Finance
(15K)
free with in-app purchases
6
Snapchat
Snapchat
Snapchat
Share the moment!
Free

Instantly share photos and videos with friends and family. Express yourself with creative tools, connect through live messaging and video calls, and discover content from the community. Save your favorite moments and explore shared memories.

Camera with Lenses and FiltersLive Messaging and Video ChatFriend and Group Stories
📷 Photo & Video
(5.9M)
free with in-app purchases
7
FairMoney: Loan App In Nigeria
FairMoney: Loan App In Nigeria
FairMoney: Loan App In Nigeria
Instant Loan App For Fast Cash
Free

This app provides instant cash loans and flexible repayment plans for individuals and businesses. It also offers savings features with high interest rates and a secure ATM card for seamless transactions. Enjoy transparent financial services with no hidden charges.

Instant cash loans up to NGN 3,000,000Flexible repayment plans (30-180 days)Savings with up to 30% interest
💰 Finance
(14K)
free
8
WhatsApp Messenger
WhatsApp Messenger
WhatsApp Messenger
Simple. Reliable. Private.
Free

Connect with friends and family globally through private messaging and high-quality calls. Share moments, documents, and stay in touch across devices, even on slow connections. Your conversations are secured with end-to-end encryption.

End-to-end encrypted messagingHigh-quality voice and video callsGroup chats and calls
🌐 Social Networking
(18M)
free with in-app purchases
9
Telegram Messenger
Telegram Messenger
Telegram Messenger
Fast. Secure. Powerful.
Free

A fast, secure, and powerful instant messaging app synced across all devices. It offers unlimited media and file sharing, robust encryption, and extensive group chat capabilities. Enjoy a simple, private, and customizable communication experience.

Cross-device synchronizationUnlimited file and media sharingEnd-to-end encrypted secret chats
🌐 Social Networking
(276K)
free with in-app purchases
10
Smartcash PSB
Smartcash PSB
Smartcash PSB
Smartcash
Free

This application facilitates instant money transfers to mobile numbers or bank accounts. It also enables convenient bill payments for utilities, data recharges, and merchant payments via scanning.

Instant money transfersMobile and data rechargeUtility and bill payments
🔧 Utilities
(1.8K)
free
11
Signal - Private Messenger
Signal - Private Messenger
Signal - Private Messenger
Say “hello” to privacy.
Free

This messaging app prioritizes your privacy with strong end-to-end encryption for all communications. It offers free text, voice, and video messaging, including group chats and disappearing stories, all without collecting your data.

End-to-end encrypted messagingFree voice and video callsGroup chats up to 1000 people
🌐 Social Networking
(1.1M)
free with in-app purchases
12
Audiomack - Play Music Offline
Audiomack - Play Music Offline
Audiomack - Play Music Offline
Stream music & songs offline
Free

Stream and download music, mixtapes, and albums for free. Discover new artists and trending tracks across various genres. Customize playback with audio effects and listen offline without data.

Stream and download musicOffline listeningPlaylist creation
🎵 Music
(2M)
freemium
13
Gmail - Email by Google
Gmail - Email by Google
Gmail - Email by Google
Secure, fast & organized email
Free

This application provides a secure and efficient email experience with advanced features like spam blocking, smart replies, and multi-account support. It integrates with other Google services for enhanced productivity and collaboration.

Robust security & spam blockingReal-time notificationsMultiple account support
📊 Productivity
(2.4M)
free with in-app purchases
14
Instagram
Instagram
Instagram
Videos, creators & friends
Free

Connect with friends and discover new content through photos, videos, and short-form entertainment. Share your daily moments and life's highlights, or dive into personalized feeds based on your interests.

Short-form video creation and discovery (Reels)Ephemeral content sharing (Stories & Notes)Private group chats (Close Friends)
📷 Photo & Video
(29M)
free with in-app purchases
15
myMTN NG
myMTN NG
myMTN NG
MTN
Free

This app provides MTN Nigeria customers and non-customers access to a wide range of MTN products and services. It offers a streamlined shopping experience for managing accounts, purchasing airtime and data, and accessing lifestyle content like news and entertainment.

Login with social media or MTN numberBuy or borrow airtime and dataReal-time account balances
📊 Productivity
(14K)
free
16
TikTok - Videos, Shop & LIVE
TikTok - Videos, Shop & LIVE
TikTok - Videos, Shop & LIVE
Watch, discover and stream!
Free

Discover and create short-form videos, stream LIVE content, and shop for products from brands and small businesses. This platform inspires creativity and joy through personalized content feeds and easy-to-use editing tools.

Personalized video discoveryShort-form video creationLIVE streaming
🎬 Entertainment
(18M)
free with in-app purchases
17
Zangi - Private Messenger
Zangi - Private Messenger
Zangi - Private Messenger
Secure. No trace. Fast
Free

A secure messaging app prioritizing user privacy with end-to-end encryption and no data collection. It allows private registration without a phone number and prevents unsolicited contacts, ensuring your conversations remain confidential.

Private registration without phone numberNo unsolicited contactsNo data collection on servers
🌐 Social Networking
(8.8K)
free with in-app purchases
18
Access More
Access More
Access More
by Access Bank Plc
Free

This innovative mobile payment app goes beyond traditional banking, offering seamless financial transactions, payment solutions, and lifestyle experiences. It provides personalized services, ease of use, and a wide range of features from quick account opening to investment services and bill payments.

Quick account openingPersonalized dashboards and themesInvestment services
💰 Finance
(117K)
free
19
Facebook
Facebook
Facebook
Connection starts here
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
(28M)
free with in-app purchases
20
X
X
X
Breaking News & Social Media
Free

Connect with a global community in real-time for breaking news, live events, and conversations. Share your thoughts, discover trending topics, and engage with diverse perspectives. Features include an AI assistant, live audio/video, and private messaging.

Real-time breaking news updatesPost thoughts, photos, and videosAI assistant for news summaries
📡 News
(11M)
free with in-app purchases

FAQ about Palmpay

What are the best palmpay apps for iPhone?
Kuda - Free transfer & payment tops our palmpay apps ranking as of July 2026, with a 4.7-star average from 132K App Store ratings, and it's free to download.
Yes — 20 of the top palmpay apps we rank are free to download, including Kuda - Free transfer & payment and Moniepoint Personal Banking.
Kuda - Free transfer & payment has no ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 219+ palmpay apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
Kuda is a digital banking app that allows users to open a bank account in minutes, make easy payments, save money with automated features, and invest in US stocks. It aims to provide a smarter way to manage money with features like free transfers and premium rewards.
Key features include free bank account opening, up to 25 free money transfers per month to any Nigerian bank, automated savings with interest, the ability to invest in US stocks, and access to premium rewards like cashback and discounts for eligible users.

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