Best Topitupng Apps

232+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated June 2026

Looking for free topitupng apps? 20 of our 232+ tracked titles are free to download — no subscription, no trial. The rest are premium picks worth paying for.

Compare top Topitupng Apps (June 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1TopItUp AppTopItUp AppFreeNoNoMay 2026
2TopitupNGTopitupNGFreeNoMay 2026
3WorldRemit: Money Transfer AppWorldRemit: Money Transfer AppFree4.8★ (216K)NoNoJul 2026
4OPay-Beyond BankingOPay-Beyond BankingFree4.5★ (97K)NoNoJul 2026
5Moniepoint Personal BankingMoniepoint Personal BankingFree4.6★ (29K)NoNoJul 2026
6SmartHubSmartHubFree2.7★ (1.9K)NoNoJul 2026
7myMTN NGmyMTN NGFree4.4★ (14K)NoNoJul 2026
8Sendwave Send & Transfer MoneySendwave Send & Transfer MoneyFree4.7★ (83K)NoNoJul 2026

Top Picks for Topitupng

WorldRemit: Money Transfer App#3

WorldRemit: Money Transfer App by WorldRemit

Send Transfers & Remittance
Worth Considering
💰 Finance
4.8😐(216K ratings)
Free
WorldRemit: Money Transfer App screenshot 1
WorldRemit: Money Transfer App screenshot 2
WorldRemit: Money Transfer App screenshot 3
WorldRemit: Money Transfer App screenshot 4
WorldRemit: Money Transfer App screenshot 5
WorldRemit: Money Transfer App screenshot 6

Send money internationally with a secure and convenient digital service. Offers low fees, competitive exchange rates, and multiple payout options including bank transfers, mobile wallets, cash pickup, and airtime top-ups. Track your transfers in real-time.

What We Love

  • 🚀 Fast, easy & inexpensive
  • 🚀 Reliable and convenient
  • 👍 Excellent service
  • 👍 Straightforward and quick

Room to Improve

  • 🐛 Unreliable and declining service
  • 🐛 Terrible customer service
  • 🐛 Accounts disabled without explanation

More Topitupng apps to explore

4
OPay-Beyond Banking
OPay-Beyond Banking
OPay-Beyond Banking
by OPAY DIGITAL SERVICES PTE. LTD.
Free

This platform offers secure and fast financial services, including instant money transfers, bill payments, and airtime top-ups with bonuses. Users can also grow their savings with daily interest, access flexible loans, and get hassle-free debit cards. It provides a convenient way to manage finances and earn rewards.

Instant money transfersBill payments and airtime top-upsDaily interest on savings
💰 Finance
(97K)
free
5
Moniepoint Personal Banking
Moniepoint Personal Banking
Moniepoint Personal Banking
Savings account | Send money
Free

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.

Open bank account instantlySend and receive money fastEarn up to 18% interest on savings
💰 Finance
(29K)
free
6
SmartHub
SmartHub
SmartHub
by National Information Solutions Cooperative
Free

Manage your utility and telecommunications accounts with ease. View usage, billing, and payment history. Report service issues, receive important company news, and manage your WiFi network all from your mobile device.

View and manage bills and paymentsMonitor energy usage trendsContact customer service easily
🔧 Utilities
(1.9K)
free
7
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
8
Sendwave Send & Transfer Money
Sendwave Send & Transfer Money
Sendwave Send & Transfer Money
Remittance & digital wallet
Free

Easily send money internationally to Africa, Asia, and the Middle East. This secure app offers fast, affordable transfers with transparent fees and real-time tracking. Manage mobile payments and support loved ones globally from your phone.

Fast international money transfersSecure mobile paymentsTransparent fees and exchange rates
💰 Finance
(83K)
free with in-app purchases
9
Kuda - Free transfer & payment
Kuda - Free transfer & payment
Kuda - Free transfer & payment
Pay, save & invest money
Free

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.

Free bank account openingFree money transfersAutomated savings
💰 Finance
(133K)
freemium
10
GTWorld
GTWorld
GTWorld
by GUARANTY TRUST BANK PLC
Free

Manage your mobile banking and finances with a redesigned application. Open accounts, transfer money, pay bills, and buy airtime all in one place. Features include biometric login, incognito mode, and card controls.

Open new accounts with selfie verificationBiometric and facial recognition loginIncognito mode to hide balances
💰 Finance
(45K)
free
11
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
(115K)
free
12
PhonePe: Secure Payments App
PhonePe: Secure Payments App
PhonePe: Secure Payments App
UPI, Recharges, Bills Payments
Free

This app facilitates secure digital payments, including UPI transfers, mobile and utility bill recharges, and online/offline purchases. It also offers investment options in mutual funds and insurance policies.

BHIM UPI money transfersMobile and DTH rechargesUtility bill payments
💰 Finance
(166K)
free with in-app purchases
13
Bill Tracker Pro
Bill Tracker Pro
Bill Tracker Pro
Bill Reminder, Expense Tracker
Free

Manage your bills, income, and spending with this comprehensive finance tracker. Connect your bank accounts for automatic transaction syncing, set bill reminders, and create custom budgets to gain control of your cash flow. Visualize your financial health with insightful charts and reports.

Automatic bank transaction syncingCustomizable budget creationBill payment reminders and notifications
💰 Finance
(4.8K)
subscription
14
Papaya: Securely Pay Any Bill
Papaya: Securely Pay Any Bill
Papaya: Securely Pay Any Bill
Fast & Secure Bill Payments
Free

This app offers a streamlined and secure method for paying all your bills, eliminating the need for multiple logins or mailing checks. It utilizes advanced technology to process payments quickly and efficiently, supporting various payment methods for a wide range of bill types.

Pay any billFast paymentsSecure processing
💰 Finance
(118K)
free
15
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Flexible payments, big savings
Free

This app allows users to pay for purchases over time with flexible payment options. It offers clear payment plans, deals, and the ability to set up automatic payments. Users can also apply for a card to use anywhere Visa is accepted for convenient installment payments.

Pay over time online and in-storeFlexible payment optionsDiscover 0% APR deals
🛍️ Shopping
(1.7M)
free with in-app purchases
16
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
17
Mobily - موبايلي
Mobily - موبايلي
Mobily - موبايلي
Manage services & shop online
Free

Manage your mobile services, pay bills, and recharge your account with ease. Shop for new devices and plans, and manage all your lines in one place. Get quick access to account information and helpful support.

Easy bill payments and rechargesOnline shopping for devices and plansOne-click subscription management
🔧 Utilities
(50K)
free
18
GCash
GCash
GCash
by MYNT, INC.
Free

Send money instantly to the Philippines, pay over 2000 bills, and manage your finances from abroad. Link your US bank account, save with high interest rates, and scan to pay securely. Stay connected and support loved ones with ease.

Instant money transfersPay over 2000 billsLink US bank accounts
💰 Finance
(2.7K)
free with in-app purchases
19
Deferit: Pay bills in 4
Deferit: Pay bills in 4
Deferit: Pay bills in 4
Buy now pay later for bills
Free

Manage your bills and budget with flexibility. This app allows you to pay almost any service bill in four smaller installments with no interest. It also helps you save money by negotiating better deals with providers and builds your credit history by reporting on-time payments.

Pay bills in 4 installmentsNegotiate lower bill ratesBuild credit history
💰 Finance
(30K)
free with in-app purchases
20
Four | Buy Now, Pay Later
Four | Buy Now, Pay Later
Four | Buy Now, Pay Later
Flexible Shopping & Payments
Free

Shop your favorite online stores and split purchases into four interest-free payments. Manage all your orders and payment schedules in one convenient app, with optional upgrades for exclusive benefits.

Split purchases into 4 paymentsPay every two weeksManage orders in one app
🛍️ Shopping
(112K)
freemium

FAQ about Topitupng

Are there free topitupng apps for iPhone?
Yes — 20 of the top topitupng apps we rank are free to download, including TopItUp App and TopitupNG.
TopItUp App has no ads and has no in-app purchases, according to its App Store listing as of June 2026.
We track 232+ topitupng apps on the iOS App Store as of June 2026, ranked by rating, recency, and analysis of real user reviews.