FairMoney: Save, Spend, Credit

Name: FairMoney: Save, Spend, Credit
Rating: 4.6 (14389 reviews)
Author: FAIRMONEY MICROFINANCE BANK LIMITED

by FAIRMONEY MICROFINANCE BANK LIMITED

iPhone

Active Last checked 5 Sep 2026

App Store ↗

Quick verdict

What it is: Store information collected; independent summary not yet available.
At a glance: Free to download

Categories and search queries

Official categories

Finance

AppCorpus categories

Finance

Key functions

Function	Availability	Access	Scope	Evidence
Free app	Yes	Free	—	Store published

Screens

App Store

8 store screenshots

Pricing & paywalls

App Store

Free

Last verified 5 Sep 2026

Ratings & reviews

App Store

4.6 14389 ratings · App Store

3/5Overall interest rate 2️⃣🆙
I took out a 70k loan for 3 months. I was ok with the amount I had to pay back. So I decided to take out another. This time I was approved for 400k but I only needed 300k. When I went to accept the offer…that’s when I notice that over 9 months I would be paying back over 808k that’s about a 153% increase. Can you please explain this - if I take out 400k loan for 9 months, and I pay back in 4 months, why am I paying interest rate of 17% for the 5 months?

Naijawife_uzo · 5 Sep 2026
4/5Why reduce my credit
Dear developer. I recently took a loan of 300k which I was given 6 months to pay back over 600k but I paid it within 2 month. When I tried to apply for a loan again I was only offered 70k which is so bad that I’m not sure I can use the app anymore. The loan interest is high but my major concern is why reduce my credit which means it’s unreliable I was looking forward to a better loan but got reduced!

lindaroob · 5 Sep 2026
5/5Can’t add my NIN and the app is totally useless
I’ve been trying to add my NIN for a while now, but. There’s not even an option for me to do that 🤦🏽‍♂️ nd I’ve also applied for loan over and over but y’all are giving me 30 days, and you guys have done it thrice now, you say I should use the app to make transactions and all, I’m using it nd I still even lock money in the fair lock frequently, you’re telling me to buy electricity and purchase data from the app, but those features don’t even work on it, and I can’t even add an ATM 🤦🏽‍♂️….at least the least you guys can do is making an option for users to delete their account cos I can’t leave my important details with y’all for no reason when I can’t even access the services that I uploaded my details for…..and if possible i would have given this app no star at all, but I gave it five star so it can appear on the front

Emmanuel553 · 5 Sep 2026
5/5No No No
"Well, this app isn't that bad overall, but the loan interest is excessive. Imagine borrowing ₦5,000 for the first time and having to pay back ₦7,000. What's even more concerning is that if you don't pay on time, the amount you owe increases unexpectedly. While I'm not singling out this specific app, I strongly advise the operators to reconsider their interest rates because it's incredibly frustrating. They will use call and finish you. I can't give this app a five-star rating. I give it 1 stars I initially used it to borrow my first ₦5,000. After that, I deleted the app from my phone and I have no intention of using this loan app again."

Monet unstoppable · 5 Sep 2026
5/5Interest too high
The app was actually okay at first, I used it for transaction, made a silly mistake of taking loan of 90,000 from them Asked to pay 144,000 which I did, paid it up to 100,000 , took a top up loan a very stupid mistake 35,000 repaid it almost immediately I took it, only to see I’m to pay additional interest of 168,000 other than the 135,000 I’ve paid already. This is far from Ponzi scheme. It’s day light robbery…. I can’t even log in the app anymore both on iPhone and Samsung. Keeps saying working on something. This is pure money laundering and exploitation.

Osas mbakwe · 5 Sep 2026

Privacy & accessibility

App Store

Privacy

Data Linked to You — Analytics — Usage Data — Advertising Data Developer declared
Data Linked to You — App Functionality — Contact Info — Email Address Developer declared
Data Linked to You — App Functionality — Contact Info — Name Developer declared
Data Linked to You — App Functionality — Contact Info — Phone Number Developer declared
Data Linked to You — App Functionality — Contact Info — Physical Address Developer declared
Data Linked to You — App Functionality — Contacts Developer declared
Data Linked to You — App Functionality — Financial Info — Other Financial Info Developer declared
Data Linked to You — App Functionality — Financial Info — Payment Info Developer declared
Data Linked to You — App Functionality — Identifiers — Device ID Developer declared
Data Linked to You — App Functionality — Identifiers — User ID Developer declared
Data Linked to You — App Functionality — Location — Precise Location Developer declared
Data Linked to You — App Functionality — Usage Data — Advertising Data Developer declared
Data Linked to You — App Functionality — Usage Data — Product Interaction Developer declared
Data Linked to You — Contact Info Developer declared
Data Linked to You — Contacts Developer declared
Data Linked to You — Financial Info Developer declared
Data Linked to You — Identifiers Developer declared
Data Linked to You — Location Developer declared
Data Linked to You — Usage Data Developer declared
Data Not Linked to You — Analytics — Diagnostics — Crash Data Developer declared
Data Not Linked to You — Analytics — Diagnostics — Other Diagnostic Data Developer declared
Data Not Linked to You — Analytics — Diagnostics — Performance Data Developer declared
Data Not Linked to You — App Functionality — Diagnostics — Crash Data Developer declared
Data Not Linked to You — App Functionality — Diagnostics — Other Diagnostic Data Developer declared
Data Not Linked to You — App Functionality — Diagnostics — Performance Data Developer declared
Data Not Linked to You — Diagnostics Developer declared
Data Used to Track You — Usage Data — Advertising Data Developer declared
Data Used to Track You — Usage Data Developer declared

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Accessibility

No accessibility labels collected yet.

Versions

App Store

1.101.3
Welcome to FairMoney 1.101.3! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey
1.104
Welcome to FairMoney 1.104.0! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey
1.106
Welcome to FairMoney 1.106.0! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey.
1.107
Welcome to FairMoney 1.107.0! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey
1.109.1
Welcome to FairMoney 1.109.1! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey
1.110.3
Welcome to FairMoney 1.110.3! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey
1.111.1
Welcome to FairMoney 1.111.1! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey
1.113.2
Welcome to FairMoney 1.113.2! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey
1.116.0
Welcome to FairMoney 1.116.0! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey
1.118.0
Welcome to FairMoney 1.118.0! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey
1.129.2
Welcome to FairMoney 1.129.2! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey!
1.130.0 · 19 Jun 2026
Welcome to FairMoney 1.130.0! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey!
1.137.1
Welcome to FairMoney 1.137.1! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey!
1.139.1 · 25 Aug 2026
Welcome to FairMoney 1.139.1! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey!
1.20.2
Welcome to FairMoney 1.120.2! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey
1.87
Welcome to FairMoney 1.87! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey!
1.88
Welcome to FairMoney 1.88.2! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey!
1.89
Welcome to FairMoney 1.89.2! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey!
1.91
Welcome to FairMoney 1.91! We've fixed compatibility issues with iOS 26 to ensure your app runs smoothly on the latest OS. Update now for the best and most reliable FairMoney experience. Got questions or feedback? Reach us anytime at [email protected]. Thanks for being with us!
1.92
Welcome to FairMoney 1.92.2! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey!
1.93
Welcome to FairMoney 1.93! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey!
1.94
We’ve made performance improvements and fixed some bugs to make your experience smoother and more reliable.
1.95
Welcome to FairMoney 1.95.0! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey!
1.96
Welcome to FairMoney 1.96.0! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey!
1.97
Welcome to FairMoney 1.97! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey
1.98.0
Welcome to FairMoney 1.98! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey!
1.99.0
Welcome to FairMoney 1.99! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey

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Availability by market

Data quality & evidence

Page completeness: Live store listing
Last verified: 5 Sep 2026
Sources: App Store

Independent summary has not been published yet.

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Compare FairMoney: Save, Spend, Credit with Carbon: Mobile Banking & Loans.

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GET /api/v3/apps/6456485223

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      "reviews": [
        {
          "rating": 3,
          "title": "Overall interest rate 2️⃣🆙",
          "body": "I took out a 70k loan for 3 months. I was ok with the amount I had to pay back. So I decided to take out another. This time I was approved for 400k but I only needed 300k. When I went to accept the offer…that’s when I notice that over 9 months I would be paying back over 808k that’s about a 153% increase. Can you please explain this - if I take out 400k loan for 9 months, and I pay back in 4 months, why am I paying interest rate of 17% for the 5 months?",
          "author": "Naijawife_uzo",
          "date": "5 Sep 2026"
        },
        {
          "rating": 4,
          "title": "Why reduce my credit",
          "body": "Dear developer. I recently took a loan of 300k which I was given 6 months to pay back over 600k but I paid it within 2 month. When I tried to apply for a loan again I was only offered 70k which is so bad that I’m not sure I can use the app anymore. The loan interest is high but my major concern is why reduce my credit which means it’s unreliable I was looking forward to a better loan but got reduced!",
          "author": "lindaroob",
          "date": "5 Sep 2026"
        },
        {
          "rating": 5,
          "title": "Can’t add my NIN and the app is totally useless",
          "body": "I’ve been trying to add my NIN for a while now, but. There’s not even an option for me to do that 🤦🏽‍♂️ nd I’ve also applied for loan over and over but y’all are giving me 30 days, and you guys have done it thrice now, you say I should use the app to make transactions and all, I’m using it nd I still even lock money in the fair lock frequently, you’re telling me to buy electricity and purchase data from the app, but those features don’t even work on it, and I can’t even add an ATM 🤦🏽‍♂️….at least the least you guys can do is making an option for users to delete their account cos I can’t leave my important details with y’all for no reason when I can’t even access the services that I uploaded my details for…..and if possible i would have given this app no star at all, but I gave it five star so it can appear on the front",
          "author": "Emmanuel553",
          "date": "5 Sep 2026"
        },
        {
          "rating": 5,
          "title": "No No No",
          "body": "\"Well, this app isn't that bad overall, but the loan interest is excessive. Imagine borrowing ₦5,000 for the first time and having to pay back ₦7,000. What's even more concerning is that if you don't pay on time, the amount you owe increases unexpectedly. While I'm not singling out this specific app, I strongly advise the operators to reconsider their interest rates because it's incredibly frustrating. They will use call and finish you. I can't give this app a five-star rating. I give it 1 stars I initially used it to borrow my first ₦5,000. After that, I deleted the app from my phone and I have no intention of using this loan app again.\"",
          "author": "Monet unstoppable",
          "date": "5 Sep 2026"
        },
        {
          "rating": 5,
          "title": "Interest too high",
          "body": "The app was actually okay at first, I used it for transaction, made a silly mistake of taking loan of 90,000 from them Asked to pay 144,000 which I did, paid it up to 100,000 , took a top up loan a very stupid mistake 35,000 repaid it almost immediately I took it, only to see I’m to pay additional interest of 168,000 other than the 135,000 I’ve paid already. This is far from Ponzi scheme. It’s day light robbery…. I can’t even log in the app anymore both on iPhone and Samsung. Keeps saying working on something. This is pure money laundering and exploitation.",
          "author": "Osas mbakwe",
          "date": "5 Sep 2026"
        }
      ]
    }
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      "notes": "Welcome to FairMoney 1.101.3! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey"
    },
    {
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      "version": "1.104",
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      "notes": "Welcome to FairMoney 1.104.0! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey"
    },
    {
      "store": "apple",
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      "released_at": null,
      "notes": "Welcome to FairMoney 1.106.0! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey."
    },
    {
      "store": "apple",
      "version": "1.107",
      "released_at": null,
      "notes": "Welcome to FairMoney 1.107.0! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey"
    },
    {
      "store": "apple",
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      "released_at": null,
      "notes": "Welcome to FairMoney 1.109.1! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey"
    },
    {
      "store": "apple",
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      "released_at": null,
      "notes": "Welcome to FairMoney 1.110.3! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey"
    },
    {
      "store": "apple",
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      "released_at": null,
      "notes": "Welcome to FairMoney 1.111.1! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey"
    },
    {
      "store": "apple",
      "version": "1.113.2",
      "released_at": null,
      "notes": "Welcome to FairMoney 1.113.2! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey"
    },
    {
      "store": "apple",
      "version": "1.116.0",
      "released_at": null,
      "notes": "Welcome to FairMoney 1.116.0! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey"
    },
    {
      "store": "apple",
      "version": "1.118.0",
      "released_at": null,
      "notes": "Welcome to FairMoney 1.118.0! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey"
    },
    {
      "store": "apple",
      "version": "1.129.2",
      "released_at": null,
      "notes": "Welcome to FairMoney 1.129.2! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey!"
    },
    {
      "store": "apple",
      "version": "1.130.0",
      "released_at": "2026-06-19",
      "notes": "Welcome to FairMoney 1.130.0! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey!"
    },
    {
      "store": "apple",
      "version": "1.137.1",
      "released_at": null,
      "notes": "Welcome to FairMoney 1.137.1! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey!"
    },
    {
      "store": "apple",
      "version": "1.139.1",
      "released_at": "2026-08-25",
      "notes": "Welcome to FairMoney 1.139.1! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey!"
    },
    {
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      "released_at": null,
      "notes": "Welcome to FairMoney 1.120.2! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey"
    },
    {
      "store": "apple",
      "version": "1.87",
      "released_at": null,
      "notes": "Welcome to FairMoney 1.87! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey!"
    },
    {
      "store": "apple",
      "version": "1.88",
      "released_at": null,
      "notes": "Welcome to FairMoney 1.88.2! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey!"
    },
    {
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      "released_at": null,
      "notes": "Welcome to FairMoney 1.89.2! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey!"
    },
    {
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      "released_at": null,
      "notes": "Welcome to FairMoney 1.91! We've fixed compatibility issues with iOS 26 to ensure your app runs smoothly on the latest OS. Update now for the best and most reliable FairMoney experience. Got questions or feedback? Reach us anytime at [email protected]. Thanks for being with us!"
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    {
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      "released_at": null,
      "notes": "Welcome to FairMoney 1.92.2! We have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at [email protected]. Thanks for being a part of our journey!"
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      "name": "Kuda - Free transfer & payment",
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      "name": "PiggyVest: Save & Invest Today",
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      "name": "ALAT",
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      "reason": "Same category + similar ratings"
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}