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Updated July 2026 · real, multi-region App Store reviews
Head-to-head

UBA Mobile Banking vs Moniepoint Personal Banking

UBA Mobile Banking 4.0★ · Free to download 45
Winner Moniepoint Personal Banking
Moniepoint Personal Banking 4.6★ · Free to download 70

Moniepoint Personal Banking is generally preferred for its faster transactions and reliability, despite some recent issues with network and updates, while UBA Mobile Banking struggles with consistent login problems and a less user-friendly experience.

Full reviews: UBA Mobile Banking · Moniepoint Personal Banking

Moniepoint Personal Banking (4.58 lifetime rating) generally offers a faster and more reliable banking experience, though recent updates have caused some users to experience network issues and login problems. UBA Mobile Banking (3.98 lifetime rating) faces significant challenges with app functionality, including frequent login failures, slow performance, and difficulty with basic transactions.

Head to head

Features edge: Moniepoint Personal BankingR5R9R11R14
UBA Mobile Banking UBA Mobile Banking users appreciate features like seamless transfers and a double-check confirmation option for security R5R14. However, some users report that loan options are missing or hard to find R9R11. There are also complaints about transaction limits being too low and secure pass/payment pin issues R34.
Moniepoint Personal Banking Moniepoint Personal Banking users praise its fast alerts and transfer capabilities, with some noting cashback benefits . However, users frequently request loan features R68R101 and a more comprehensive transaction history . There are also complaints about charges on transfers R64R88R112.
Ease of Use tieR1R3R5R6
UBA Mobile Banking Some UBA Mobile Banking users find the app simple and user-friendly R5R32. However, many recent reviews highlight significant usability issues, including difficulty logging in after updates, blank dashboards, and unresponsiveness R1R13. Users also complain about needing card details to log in on new phones and the lack of biometric login for transactions R3R6.
Moniepoint Personal Banking Moniepoint Personal Banking is generally described as easy to use and fast . However, a recurring issue is frequent update requests, which can be annoying and sometimes prevent access to the app . Facial verification also poses a significant hurdle for many users, with reports of it failing or being a total blackout .
Reliability edge: Moniepoint Personal BankingR10R13R18R25
UBA Mobile Banking UBA Mobile Banking suffers from severe reliability issues, with numerous reports of the app not opening, getting stuck on loading screens, or failing to process transactions for days R10R13R18. Users frequently mention network problems and slow performance, especially after updates R25.
Moniepoint Personal Banking Moniepoint Personal Banking is often praised for being fast and reliable . However, recent reviews indicate a decline in network reliability, with users experiencing slow transactions and inability to access funds . There are also reports of debited funds not being received or refunded for services like data recharge R79.
Price/Value edge: UBA Mobile BankingR13R34R55R64
UBA Mobile Banking UBA Mobile Banking is free to download, but reviews do not explicitly discuss specific fees or pricing structures. The value is diminished by the app's poor functionality, making it difficult for users to access their money or perform transactions R13R34R55.
Moniepoint Personal Banking Moniepoint Personal Banking is free to download, but users frequently complain about #10 deductions on each transfer R64R88R112. Despite these charges, many users still find value in its speed and reliability when it works well .
Support tieR24R32R34R61
UBA Mobile Banking UBA Mobile Banking users report difficulty reaching customer care R34 and unsatisfactory support when trying to resolve issues like unavailable banking services options R24. Some positive reviews mention outstanding customer service, but these are less frequent R32.
Moniepoint Personal Banking Moniepoint Personal Banking users have negative experiences with customer support, describing it as useless or providing only automated responses, especially for issues like uncredited data or suspended accounts R61R79.
Pick UBA Mobile Banking if

You prioritize a banking app that is free to download and does not charge per transaction, and you are willing to contend with potential login issues and slower performance R13R34R55R64.

Pick Moniepoint Personal Banking if

You need a banking app that is generally fast for transfers and alerts, and you are comfortable with occasional network issues, frequent updates, and small transaction fees R64.

Evidence note: Both apps have a significant number of recent negative reviews, particularly concerning login issues and app functionality after updates. Moniepoint's higher lifetime rating suggests a better overall experience historically, but recent complaints indicate a decline in performance for some users.

Frequently asked

Which app is better for quick transactions?
Moniepoint Personal Banking is generally better for quick transactions, with users frequently praising its speed for transfers and alerts . UBA Mobile Banking users report that transfers can be seamless, but also that the app can be slow or fail to send money R5R10R14R18.
Do these apps have loan features?
Users of both UBA Mobile Banking and Moniepoint Personal Banking have expressed a desire for more accessible loan features, with some UBA users stating they cannot find loan options on their app R9R11 and Moniepoint users requesting the app grant loans R68R101.
Are there any fees for using these apps?
UBA Mobile Banking reviews do not mention specific fees, but Moniepoint Personal Banking users frequently complain about a #10 charge on each transfer they make R64R88R112.
Which app has better customer support?
Neither app consistently receives positive feedback for customer support; UBA Mobile Banking users report difficulty reaching support and unsatisfactory assistance R24R34, while Moniepoint Personal Banking users describe support as useless or providing only automated responses R61R79.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R5] UBA Mobile Banking 5/5 · US Abraham Adaji: I have had a wonderful experience using the UBA Mobile Banking App. It is simple and transfers are seamless.
  2. [R9] UBA Mobile Banking 3/5 · US Loans: Allow me to take loans
  3. [R11] UBA Mobile Banking 5/5 · US Please i need so lone which I can’t find on my app: I need lone please but i can’t find it on this app it should be here too
  4. [R14] UBA Mobile Banking 5/5 · US Great Financial App: It makes my transactions easy and very quick
  5. [R1] UBA Mobile Banking 1/5 · US My main account is not showing: My main account balance and number aren’t showing on the dashboard. I have refreshed my app multiple times yet no luck
  6. [R3] UBA Mobile Banking 3/5 · US Card: Why do I always need my card details to longin on a new phone
  7. [R6] UBA Mobile Banking 3/5 · US Good: While the app is okay and all. I had a situation (I’m using iPhone) where I was randomly logged out and i couldn’t log back in without my password. I didn’t know my password unfortunately because I got used to biometrics (Face ID login). So my option was to reset password but i couldn’t do that without a secure pass so i had to go all the way to the bank just to access my account. It’ll ha
  8. [R10] UBA Mobile Banking 1/5 · US Worst app I’ve ever used: Can’t even send money
  9. [R13] UBA Mobile Banking 1/5 · US App not opening: Why has the app stopped opening for up to 2 weeks now??? Tf you want ur users to do? What about those that makes transactions using just the app and don’t have a bank card?? So if I want to use the money In my account, I need to go to a bank and get withdrawal slip…. Be like say una no serious for this bank thing sha
  10. [R18] UBA Mobile Banking 3/5 · US Complain: I can’t send money to orders banks
  11. [R25] UBA Mobile Banking 1/5 · US Very poor app: The app is not user friendly and network is also poor
  12. [R34] UBA Mobile Banking 1/5 · US Terrible mobile app: I won’t swear for the developer behind this terrible development yet. For goodness sake, how is my limit 5m and I’m only opportune to send out only 200k. The secure pass or token is not going either and it’s close to impossible to speak with a customer care. If this opportunity pass me by huh, I’ll surely say goodbye to this bank. It’s over a decade banking with you and it suc
  13. [R55] UBA Mobile Banking 1/5 · US Always network issue: I’m not feeling safe with your bank and this network issue you people need to fixed your banking system, this is 2026 your service is totally poor and for the past 4 days now I can’t have access to my own money that’s ridiculous and your app sucks
  14. [R64] Moniepoint Personal Banking 2/5 · US Bad transactions: Why will they be removing #10 on each transfers I made it’s so annoying
  15. [R24] UBA Mobile Banking 3/5 · US My banking services option unavailable on my menu: My banking services option unavailable on my menu. Customer Service not able to provide satisfactory support.
  16. [R32] UBA Mobile Banking 5/5 · US Extremely happy: UBA, your customer service is truly outstanding. Prompt, professional, and always reliable. Your app is also smooth, fast, and very user friendly. Keep up the excellent work!
  17. [R61] Moniepoint Personal Banking 1/5 · US You guys don’t want me to access my money or change my pin I have contacted every help service y: You guys are wicked I need my money pls
  18. [R68] Moniepoint Personal Banking 5/5 · US Loan: Please why is this app not granting loans
  19. [R101] Moniepoint Personal Banking 5/5 · US Loan: I want to borrow a loan
  20. [R88] Moniepoint Personal Banking 1/5 · US Fees too much: Deduct money on every transaction, I will change bank o
  21. [R112] Moniepoint Personal Banking 1/5 · US Monie point: This app is giving me concerns why would I try my pin three times and I won’t be able to try again. Why Opay doesn’t do that and why do you keep removing 10# from every transaction I make this is not fair 😡
  22. [R79] Moniepoint Personal Banking 1/5 · US Inability to solve little issues such as data crediting: Bought a data plan and I haven’t received it, contacted customer support and it basically useless

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store