In Nigeria’s booming fintech space, CashMore positions itself as more than just a loan or utility payment app—it wants to be a one-stop platform for entrepreneurs and everyday users alike. Developed by CapiFlex, a subsidiary of CapitalSage Technology Ltd, CashMore promises a smooth interface for everything from airtime to utility payments, flight bookings, JAMB/WAEC PINs, and commissions for resellers.
But does it live up to the promise, or does it risk eroding trust with shady practices and unresolved customer issues?
We combed through user reviews, app features, and actual complaints to provide an honest, SEO-friendly review of CashMore.
What is CashMore?
CashMore is a multi-service financial app available on Android that allows users to:
- Top up airtime and data
- Pay electricity and water bills
- Recharge Cable TV
- Book flights
- Purchase JAMB/WAEC result pins
- Recharge betting platforms
- Earn commissions as a reseller or agent
It operates in both B2B and B2C modes, giving small business owners and entrepreneurs tools to generate income by reselling telecom services and digital utilities.
On paper, this is a promising model. But user experience tells a more complicated story.
CashMore App: What Works Well
✅ All-in-One Platform for Everyday Transactions
Users like Ibukun Eko highlighted the platform’s versatility:
“The new features on the app are fantastic. I can make all my payments with just one app—even book my flight ticket. Also, I get my commissions instantly.”
For users who want to avoid juggling multiple apps for electricity, data, and bills, this centralization is a real strength.
✅ Instant Commissions for Agents
CashMore appeals to Nigeria’s entrepreneurial spirit by allowing users to earn commission on services they help others buy. Airtime resellers, bill payment agents, and even betting top-up agents can leverage the app to build microbusinesses.
Ojo Kayode said:
“The best money-making app I’ve used lately. No more using my personal money to buy card, data, paybill. I’m just using my commission.”
✅ Clean UI and Basic Functionality
Some users praise the app’s simplicity and ease of navigation. Akande Adeyinka Augustine wrote:
“CashMore App is so cool and easy to use. I’ve been enjoying commission on all my transactions.”
When it works, it works well.
CashMore App: Major Red Flags
⚠️ Loan Scams and Forced Disbursement
Though not officially advertised as a loan app, CashMore has been associated with unauthorized loan activity through a connected or cloned app called Nutloan. Multiple users reported being:
- Credited with loans they didn’t request
- Charged excessive interest
- Harassed by agents despite not borrowing
Akpoveta Emmanuel shared this shocking experience:
“I repaid a loan and till date it’s still showing I’m owing. They keep blackmailing me to pay again… I advise the public to stay away.”
Max Reed added:
“The worst type of loan app. DO NOT TAKE LOAN FROM THIS APP. You will have to contend with exorbitant interest and the worst kind of agents.”
If CashMore has officially distanced itself from Nutloan, the lack of public communication to clarify this has hurt its reputation. And if it’s a connected product, CashMore has serious ethical issues to address.
⚠️ Customer Service is Practically Nonexistent
Across the board, users complain about poor or no customer support:
- Zenquiz Dannicas wrote: “They keep saying contact customer care, but there is no customer line—fake app, fake people, and scammers.”
- Segun S. Ojo asked for urgent improvements and contact access, noting the app needs to add more banks for funding wallets and basic verifications for services.
While the app does list support@cashmore.ng and 09081343359, the volume of complaints implies either unresponsive support or no follow-through when issues arise.
⚠️ Technical Bugs That Break Basic Functionality
Several reviews mention basic app bugs, like:
- Forms not accepting correct input
- Transactions failing after payment
- Wallets being debited with no confirmation
Peter Neneme complained:
“I tried signing up. I filled all details correctly, but in the phone number field, it keeps saying the field can’t be empty.”
These bugs erode user trust, especially when handling real money transactions.
Transparency & Trust Issues
CashMore’s failure to clearly separate itself from loan-related controversy has led to serious trust erosion. A legitimate multi-service payment app should not be confused with apps that force auto-loans, but in this case, the branding and back-end association (via CapiFlex) appears too murky to ignore.
Users are also not shown clear terms and conditions before transacting, especially when it comes to reselling or loan-adjacent activities. Transparency is essential—especially in finance—and CashMore is not earning top marks here.
Feature Requests from Users
Despite the criticisms, users are still engaged and want improvements. Suggestions include:
- Fingerprint login for quicker access (Ajala Paul Glory)
- More funding bank options for wallet top-ups
- Visible customer support within the app
- Display of service ownership for TV or utility recharge
Final Verdict: More Fixes, Less Flash
CashMore has potential, especially in offering Nigerians a way to both manage payments and earn money through commissions. The core idea of bundling services is sound, and when the app works, it meets basic needs well.
However, the reputation damage from loan-related activity, poor support, and technical flaws cannot be overlooked.
Pros:
- All-in-one platform for bill payments
- Commission-based earning opportunities
- Simple UI when functional
Cons:
- Associated with unauthorized loan disbursements
- Poor or no customer service response
- Critical bugs in signup and transaction flows
- Questionable transparency on product scope
Final Rating: ★★☆☆☆ (2/5)
Until CashMore fixes its support systems, issues a public statement clarifying its position on unauthorized loans, and improves app reliability, we recommend caution—especially for new users or those planning to resell services.
