--- title: "Moov Money alternatives" description: "Compare 19 published alternatives to Moov Money." canonical_url: "https://liners.com/moov-money/alternatives" markdown_url: "https://liners.com/moov-money/alternatives.md" type: "product-alternatives" language: "en" updated_at: "2026-08-20T21:53:20.702Z" --- # Moov Money alternatives Compare 19 published alternatives to Moov Money. ## Breadcrumbs - [Moov Money](/moov-money) - [Alternatives](/moov-money/alternatives) ## Summary Compare 19 published alternatives to Moov Money. ## About these alternatives The most relevant Moov Money alternatives to compare in 2026 are [Kyanda Africa](https://liners.com/kyanda-africa), [Telecel](https://liners.com/telecel), [Mukuru](https://liners.com/mukuru), [Prime Biller](https://liners.com/prime-biller), and [BAIDirecto](https://liners.com/baidirecto). The right option depends on where you live, whether you mainly use USSD or an app, and if you need cross-border transfers, bill payments, or a bank-linked account. Moov Money (Flooz) is a mobile money service in Togo that lets users move money and pay for everyday services through a wallet linked to a Moov Africa Togo phone number. It launched on 31 August 2013 under Moov Africa Togo and is primarily focused on the Togolese market. People look for Moov Money alternatives most often when they need something outside Moov Money’s home footprint, since it operates primarily in Togo, or when they want a different kind of product than a telco-linked wallet, such as a cross-border remittance service or a dedicated bill-payment platform. Others switch because they prefer a specific channel (USSD vs app) or need tools that better fit merchant collections and B2B2C payouts. None of this makes Moov Money a poor choice; it means the market now has specialists worth comparing. ## What to Compare When Choosing a Moov Money Alternative - **Country availability**: start with where the service works, for example some options are country-specific (Angola-only or Sudan-only) while others are pan-African. - **USSD support**: if you rely on feature phones or unreliable data, prioritise wallets and platforms that clearly support USSD, not just apps. - **Bill payment coverage**: check which billers are supported (electricity, TV, utilities, airtime), and whether payments work via app, web, or agent. - **Cross-border transfers**: if you send money internationally, compare remittance-first options that support cash pickup and wallet payouts. - **Merchant acceptance and B2B2C payouts**: merchants should verify payment acceptance, reconciliation, and payout options, especially if you collect from many customers daily. - **Cash-out options and agent network**: look for clear cash withdrawal routes and agent availability where you live. - **Extra credit products**: if you want borrowing built in, compare options that include lending and loans, not only payments. Filter the Liners list below to compare Moov Money similar apps by country, USSD support, bill payments, and mobile money features before you switch. ## Compare Moov Money alternatives by what you need - **Cross-border remittances instead of a local wallet**: [Mukuru](https://liners.com/mukuru) focuses on sending money across borders with cash pickup, bank payouts, and mobile wallet payouts. - **Bill payments and airtime top-ups as the main use case**: [Prime Biller](https://liners.com/prime-biller) and Qwili are built around selling airtime, data, and utilities, with Qwili aimed at informal merchants in South Africa. - **A bank app experience instead of telco mobile money**: [BAIDirecto](https://liners.com/baidirecto) is for BAI customers in Angola, while [Sterling Bank](https://liners.com/sterling-bank) covers everyday and business banking in Nigeria. - **Mobile money plus USSD tools outside Togo**: [Sah](https://liners.com/sah) offers banking and payments in Sudan via app and USSD, and [Kyanda Africa](https://liners.com/kyanda-africa) supports payments and utility settlements via APIs and USSD in Kenya and South Africa. To find apps like Moov Money in [Fintech](/categories/fintech), use the Liners directory below to filter by [Togo](/countries/togo), then narrow by [Bill Payments](/tags/bill-payments), [B2B2C](/tags/b2b2c), [Mobile Money](/tags/mobile-money), [USSD](/tags/ussd), or [Lending and Loans](/tags/lending) and compare similar apps side by side. ## Alternatives | Name | URL | Tagline | Country | Rating | | --- | --- | --- | --- | --- | | NITA Money Transfer | /nita-money-transfer | Send money and pay everyday bills from a mobile wallet | Niger | | | Coris Money | /coris-money | Mobile wallet for transfers, bills, and everyday payments | Burkina Faso | | | MoMo | /momo | Send, receive, and pay with mobile money across Africa | South Africa | 4.7 | | doo! | /doo | Essential services via nearby Mobile Money agents | Côte d'Ivoire | | | Hope PSBank | /hope-psbank | Digital banking, transfers, and bill payments by phone number | Nigeria | 5 | | Wave | /wave | Deposit, pay bills, and send money at low cost | Senegal | | | Kyanda Africa | /kyanda-africa | Mobile payments, transfers, and utility settlements in Africa | Kenya | | | Sah | /sah | Banking and payments in Sudan via app and USSD | Sudan | | | G-Money Financial Services | /g-money-financial-services | A regulated mobile wallet for payments and transfers in Ghana | Ghana | | | PocketApp | /pocketapp | Send, spend, and sell with fast Nigerian transfers | Nigeria | 4.3 | | Kacha | /kacha | Mobile money, payments, and remittances for Ethiopia | Ethiopia | | | BluPenguin | /blupenguin | Accept card and mobile money payments in-store or online | Ghana | | | Moov Africa | /moov-africa | Mobile connectivity and payments across Chad | Chad | | | BAIDirecto | /baidirecto | Manage BAI accounts online for personal and business banking | Angola | | | Trashcoin | /trashcoin | Turn recyclable waste into instant cash and bill payments | Nigeria | | | M-PESA | /m-pesa | Send, receive, and pay with mobile money from your phone | Kenya | 5 | | M-PESA Africa | /m-pesa-africa | Mobile money transfers and payments across African markets | Kenya | | | SmartCash PSB | /smartcash-psb | Send money, buy airtime, and manage everyday payments | Nigeria | 4.5 | | Reloadly | /reloadly | Send gift cards, airtime top-ups, and payouts with one API | Nigeria | | ## Related pages - [Product page](/moov-money) - [Alternatives](/moov-money/alternatives) - [Reviews](/moov-money/reviews) - [Transparency](/moov-money/transparency) ## Access and citation - [Canonical HTML page](https://liners.com/moov-money/alternatives) - [Markdown route index](/sitemap.md) - [Agent access guide](/llms.txt)