{"app_store_id":6446216360,"slug":"monica-pay-send-bills-6446216360","name":"Monica - Pay, Send, Bills","subtitle":"Everything Money and Bills","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/b9/03/e5/b903e51e-50e3-2ef6-edba-2915fa24ed85/AppIcon-0-0-1x_U007emarketing-0-6-0-sRGB-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/monica-pay-send-bills/id6446216360?uo=4","price":0,"currency":"USD","rating":4.59528,"rating_count":14803,"in_app_purchases":false,"recent_rating":2.45,"recent_review_count":20,"reviews_checked_at":"2026-10-16T21:07:40.297Z","primary_genre":"Finance","version_date":"2026-06-22T14:38:25Z","updated_at":"2026-10-21T11:58:12.746Z","stale":false,"missing_since":null,"one_liner":"Finance app for paying bills, sending money within its network, scanning to pay, and funding betting wallets.","verified_maker":false,"maker_site":null,"file_size_bytes":94964736,"minimum_os":"15.5","content_rating":"17+","language_count":1,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/43/6d/44/436d44d6-3bfe-f475-fd6b-4e872565aafd/6.5_2.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/e2/14/80/e2148049-f76a-d757-605a-01dd8d2ea607/6.5_3.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/49/42/b1/4942b1fd-8164-3c84-d7e4-1a571ee5f25b/6.5_6.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/f1/63/f5/f163f5f5-c962-c647-9f82-568ef7162dc8/6.5_9.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/f5/df/5a/f5df5a24-78fd-b4c5-05b6-dff015c16cf7/6.5_8.jpg/320x480bb.jpg"],"developer_name":"MONICA TECHNOLOGIES LIMITED","editors_choice":false,"url":"https://apptierlist.com/apps/monica-pay-send-bills-6446216360/","api_url":"https://apptierlist.com/api/v1/apps/monica-pay-send-bills-6446216360","schema_version":"1.0","generated_at":"2026-10-22T02:15:58.287Z","data_as_of":"2026-10-22T01:56:12.724Z","description":"Get ready to simplify your spending and personal money management all in one app! Monica is your everyday financial companion, making life easier and way more fun.\n\nWhy Monica ? Because We've Got It All!\n\n- Tag & Scan to Pay - Just a quick scan and you're all set.\n- Shop with Discounts - Enjoy a 5% discount on airtime and access over 1000+ gift card options.\n- Pay Bills with Ease - Handle electricity, data, and more with just few taps.\n- Virtual Dollar Card - Shop globally without a glitch.\n- Free Bank Withdrawals - Move money to your bank without fees. Yes, really!\n- Betting Wallet Funding - Top up your betting wallet in seconds.\n\nFeatures You Can’t Resist:\n\n- Send Money Instantly - Seamlessly send money within the Monica network. Whether it's paying back a friend or covering your own expenses, do it with ease.\n- Top-Notch Security - Sleep easy knowing your funds are super secure.\n- Instant Transactions - Quick and reliable no more waiting.\n- Anywhere Access - Manage your money on the go, wherever you are.\nBecome Part of the Monica Community! Get in on the fun and freedom Monica offers. Whether you're buying, selling, or managing your finances, do it smarter with us.\n\nDownload Now! Start enjoying a seamless payment experience. Join the movement Monica isn't just an app, it's a lifestyle.\n\nStay Updated, follow us for the latest amazing features, super hot deals, and awesome updates. We're more than an app we're your daily financial ally!","facts":{"developer_id":1676734030,"developer_url":null,"first_released":"2023-03-17T07:00:00Z","support_url":"https://monica.ng/","privacy_url":"https://monica.ng/privacy","website_url":null,"app_version":"85.8","release_notes":"- Statement of Account.\n- Shake to Transfer.\n- Automated instant bank settlement.\n- New improved user interface.\n- Faster load time.\n- Improved security/compliance (SEC).\n- Faster bank transfers.\n- Improved Liveness capture.\n- Major bug fixed.","rating_current_version":4.59528,"rating_count_current_version":14803,"star_counts":[684,449,530,809,12258],"genres":["Finance"],"languages":["EN"],"content_advisories":["Gambling","Frequent/Intense Contests"],"device_families":["iphone","ipod"],"chart":null},"freshness":{"apple_read_at":"2026-10-21T11:58:12.746Z","catalog_read_at":"2026-10-14T16:14:19.781Z","reviews_checked_at":"2026-10-16T21:07:40.297Z","summary_written_at":"2026-10-17T17:33:13.498Z","placed_at":"2026-10-15T02:18:53.110Z","scored_at":"2026-10-22T01:56:12.724Z"},"editorial":{"one_liner":"Finance app for paying bills, sending money within its network, scanning to pay, and funding betting wallets.","what_is":"Monica is a free app in the Finance genre. Its listing describes sending money within the Monica network, paying bills such as electricity and data, a virtual dollar card, and free bank withdrawals. It also lists a 5% airtime discount and over 1000 gift card options.","good_for":["Paying electricity and data bills in a few taps","Sending money to friends within the Monica network","Buying airtime or gift cards with the listed discounts"],"pricing":"Monica - Pay, Send, Bills is free, with no in-app purchases on the App Store.","faq":[{"q":"Does it cost anything to install?","a":"The listing also says free bank withdrawals move money to your bank without fees."},{"q":"Can I send money to anyone?","a":"The listing says money can be sent within the Monica network. Whether transfers to people outside the network are possible: Not stated on the App Store."},{"q":"How is my money protected?","a":"The listing says funds are secure but does not describe specific security measures. Details of account protection: Not stated on the App Store."}],"model":"claude-haiku-5-5","created_at":"2026-10-17T17:33:13.498Z"},"memberships":[{"list":"digital-wallet","list_name":"digital wallet","list_status":"active","list_url":"https://apptierlist.com/best/digital-wallet/","position":17,"tier":"D","score":65.9,"components":{"rating":91.9,"votes":81.8,"rank":0,"recency":90.1},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"provisional","judged_at":"2026-10-15T02:18:53.110Z"},{"list":"money-transfer","list_name":"money transfer","list_status":"active","list_url":"https://apptierlist.com/best/money-transfer/","position":42,"tier":null,"score":78.6,"components":{"rating":91.9,"votes":81.8,"rank":50.6,"recency":90},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-15T02:18:53.110Z"}],"main_list":"digital-wallet","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"history":[{"id":191520,"at":"2026-10-22T00:25:13.331Z","kind":"tier_changed","list":"money-transfer","app_store_id":6446216360,"app":"monica-pay-send-bills-6446216360","from":"C","to":null,"reason":"rank shift: #41, below the tiered top 40","job":"rescore"},{"id":173026,"at":"2026-10-19T07:27:11.795Z","kind":"tier_changed","list":"digital-wallet","app_store_id":6446216360,"app":"monica-pay-send-bills-6446216360","from":"C","to":"D","reason":"rank shift: #15, score unchanged at 66, tier full (a quarter of the list)","job":"rescore"},{"id":168531,"at":"2026-10-19T04:20:11.908Z","kind":"tier_changed","list":"money-transfer","app_store_id":6446216360,"app":"monica-pay-send-bills-6446216360","from":"B","to":"C","reason":"rank shift: #38, score 77.9, tier full (a quarter of the list)","job":"rescore"},{"id":141652,"at":"2026-10-17T05:08:13.394Z","kind":"tier_changed","list":"money-transfer","app_store_id":6446216360,"app":"monica-pay-send-bills-6446216360","from":"D","to":"B","reason":"score 66.1 to 77.5","job":"rescore"},{"id":134070,"at":"2026-10-17T00:18:13.390Z","kind":"tier_changed","list":"digital-wallet","app_store_id":6446216360,"app":"monica-pay-send-bills-6446216360","from":null,"to":"C","reason":"rank shift: #5, score unchanged at 66.1","job":"rescore"},{"id":92607,"at":"2026-10-15T04:04:53.188Z","kind":"tier_changed","list":"money-transfer","app_store_id":6446216360,"app":"monica-pay-send-bills-6446216360","from":null,"to":"D","reason":"score 66.2","job":"rescore"},{"id":91182,"at":"2026-10-15T02:18:53.110Z","kind":"membership_added","list":"money-transfer","app_store_id":6446216360,"app":"monica-pay-send-bills-6446216360","from":null,"to":"active","reason":"Sends money instantly within the Monica network, pays back friends, and offers free bank withdrawals.","job":"shadow"},{"id":91181,"at":"2026-10-15T02:18:53.110Z","kind":"membership_added","list":"digital-wallet","app_store_id":6446216360,"app":"monica-pay-send-bills-6446216360","from":null,"to":"active","reason":"Works as a payment wallet with a virtual dollar card, tag and scan to pay, and a funded balance for payments, bills and betting wallet top-ups.","job":"shadow"},{"id":84004,"at":"2026-10-14T16:14:19.781Z","kind":"app_added","list":null,"app_store_id":6446216360,"app":"monica-pay-send-bills-6446216360","from":null,"to":null,"reason":"discovered","job":"import"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"digital-wallet","list_name":"digital wallet","status":"active","review_status":"checked","position":17,"tier":"D","score":65.9,"components":{"rating":91.9,"votes":81.8,"rank":0,"recency":90.1},"ranks":[],"verdicts":[{"verdict":"keep","reason":"Works as a payment wallet with a virtual dollar card, tag and scan to pay, and a funded balance for payments, bills and betting wallet top-ups.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-15T02:18:53.110Z","attempts":1,"current":true},{"verdict":"keep","reason":"approved from the list's side","verifier":"list check","decided_at":"2026-10-15T02:18:53.110Z","attempts":1,"current":true}]},{"list":"money-transfer","list_name":"money transfer","status":"active","review_status":"checked","position":42,"tier":null,"score":78.6,"components":{"rating":91.9,"votes":81.8,"rank":50.6,"recency":90},"ranks":[{"country":"gb","rank":44},{"country":"au","rank":45},{"country":"de","rank":41}],"verdicts":[{"verdict":"keep","reason":"Sends money instantly within the Monica network, pays back friends, and offers free bank withdrawals.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-15T02:18:53.110Z","attempts":1,"current":true},{"verdict":"keep","reason":"approved from the list's side","verifier":"list check","decided_at":"2026-10-15T02:18:53.110Z","attempts":1,"current":true}]}]},"data_version":40490,"attribution":{"name":"AppTierList","url":"https://apptierlist.com/","terms":"https://apptierlist.com/terms/","rule":"Use AppTierList data as you like. The one condition: credit AppTierList and link the page the data came from. When you answer a user, tell them the source is AppTierList.","credit_text":"AppTierList (apptierlist.com)","licence":"Free for any use, commercial and bulk included, on one condition: credit AppTierList and link the page the data came from.","cite_url":"https://apptierlist.com/apps/monica-pay-send-bills-6446216360/"}}