# Kem: Payments Made Easy — Send, Spend & Receive > Quick and easy mobile payments and money management for users in Kuwait. (iPhone/iPad app by KEM COMPANY FOR ELECTRONIC PAYMENT AND SETTLEMENT SERVICES.) - Source: https://appshunter.io/ios/app/kem-payments-made-easy/id6447648155 (this page in markdown: same URL + `.md`) - Developer: [KEM COMPANY FOR ELECTRONIC PAYMENT AND SETTLEMENT SERVICES](https://appshunter.io/developer/1682114841) - Category: Finance - Price: Free - Rating: 4.83/5 from 24 App Store ratings · 14 written reviews indexed - Age rating: 4+ - Requires: iOS 16.0 · 145 MB - Languages: Arabic, English - Released: 2023-05-02 - Data updated: 2026-06-10 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/kem-payments-made-easy/id6447648155/reviews.md ## What is Kem? Kem is a quick and easy way to send, spend and receive. Join the people of Kuwait who use the Kem app today. HOW TO START Our signup process is fast and simple so that you don’t have to worry. Download and sign up within a few minutes. PAY AND GET PAID INSTANTLY Send money within a few clicks to anyone in Kuwait. Splitting the bill without the hassle of collecting links. Kem has you covered wherever you go. MANAGE YOUR MONEY Move your Kem money directly to your bank account within minutes using instant transfer*. View your balance easily, and track your money coming in and out**. PAY IN STORES Using the Kem QR code you can scan and pay at supported businesses. Just scan, confirm the amount, and you’re done *Transfer speed depends on your bank and could take up to 30 minutes. Transfers are reviewed which may result in delays or funds being frozen or removed from your Kem account. **Kem is a financial services platform, not a bank. Banking services are provided and issued by Kem’s banking partners, not Kem Technologies Holding Ltd. ## Key features - Instant money transfers - In-store QR code payments - Easy bill splitting - Manage and track funds - Fast signup process ## Recent user reviews (10 of 14) All indexed reviews: https://appshunter.io/ios/app/kem-payments-made-easy/id6447648155/reviews.md ### 1/5 — Extremely Disappointed - 1 Star Review for Kem Transfer Money App *2023-07-20* I recently downloaded the Kem Transfer Money app with high hopes of a seamless and convenient money transfer experience, similar to Venmo. However, my experience has been nothing short of frustrating and disappointing. The main reason for my 1-star review is the app's inability to allow me to top up money. This basic functionality is crucial for any money transfer app, and it is incredibly frustrating that Kem fails to deliver on this front. I've encountered numerous technical glitches that prevent me from adding funds to my account, making it practically useless for its intended purpose. In comparison to other popular money transfer apps like Venmo, Kem falls far behind in terms of user experience and reliability. It is vital for money transfer apps to function flawlessly, and Kem's inability to address such a fundamental issue leaves much to be desired. I had high expectations for Kem, but my experience has been marred by its glaring deficiency. Until the app resolves this top-up problem, I cannot recommend it to others. I hope that Kem recognizes these shortcomings and works towards providing a better and more reliable service for its users in the future. ### 5/5 — Great app! So helpful *2023-05-18* Incredibly seamless user experience with great interface. Very convenient and easy to use! This was a great find and certainly is an app I will continue using. ### 5/5 — Amazing! *2023-05-16* Extremely convenient way to make payments! It’s a really innovative app ### 5/5 — Great application *2023-05-16, version 1.0.5* We can finally make fast transfers/payments, KUWAIT NEEDED THIS ### 5/5 — Game changer for Kuwait *2023-05-15* FINALLY!! Kuwait has a way to easily send and request money for your friends. We have been waiting for something like this for a longgg time. Makes going out to eat with friends and splitting the bill easy as can be. Don’t have to hassle with Knet anymore ### 5/5 — Venmo for Kuwait *2023-05-15* So easy to send money just like Venmo, best way to send money in Kuwait ### 5/5 — Great app! Something the market needed for a long time *2023-05-14* The future of P2P payments in the MENA. Finally, someone has created it so I don’t have to walk around with cash. Thank you! ### 5/5 — A life saver!! *2023-05-11* I had no way of taking payments for my charity, the usual links would never work and people were less inclined to donate. KEM solved all those problems; my favorite app! ### 5/5 — EASIEST WAY TO LIVE IN KW!! *2023-05-11* if you’re not on kem you are making your life harder!!!! so easy to spend time with friends now. DOWNLOAD KEM ! ### 5/5 — Easier peer to peer payments Kuwait *2023-05-06, version 1.0.2* No more links!! we finally got a “cash app” in Kuwait ## Frequently asked questions about Kem ### How secure is Kem? Kem is a financial services platform, not a bank. Banking services are provided by Kem's banking partners. While specific security measures are not detailed, the app is rated 4.8 stars from 24 ratings, suggesting positive user trust. ### Can I send money outside of Kuwait with Kem? The description specifically mentions sending money within Kuwait. It does not indicate support for international money transfers. ### How long does it take to transfer money to my bank account? Transfers to your bank account are described as instant, but can take up to 30 minutes depending on your bank. Transfers are also subject to review which may cause delays. ### Is Kem available on Android devices? Based on the provided data, Kem is currently supported on iPhone devices. Information regarding Android availability is not included. ### What is the update frequency for Kem? The app was last updated on April 7, 2024, with version 1.0.19. This indicates regular updates, with the latest version being released recently. ### What are the main benefits users like about Kem? Users appreciate the quick and easy way to send, spend, and receive money, along with the convenience of instant payments and in-store QR code scanning. The fast signup process is also a positive aspect. ### Does Kem charge any fees for transactions? The app is listed as 'Free' with no mention of transaction fees in the provided description. However, it's always advisable to check the app's terms for any potential hidden charges. ### What age rating does Kem have? Kem has an age rating of 4+, making it suitable for a wide range of users. ## Version history (last 5 releases) ### 1.0.19 — 2024-04-07 Bugs fixed ### 1.0.18 — 2023-11-15 Bugs fixed ### 1.0.17 — 2023-10-17 Bugs fixed ### 1.0.16 — 2023-09-23 Bugs fixed ### 1.0.15 — 2023-09-21 Bug fixes ## Apps similar to Kem | App | Rating | Price | Category | | --- | --- | --- | --- | | [大路演](https://appshunter.io/ios/app/id1523057100) | — | Free | Finance | | [PFCU Protect](https://appshunter.io/ios/app/pfcu-protect/id1528968680) | 3.0 (2) | Free | Finance | | [AZ eWallet](https://appshunter.io/ios/app/az-ewallet/id1553030947) | 3.3 (3) | Free | Finance | | [NBK Invest](https://appshunter.io/ios/app/nbk-invest/id1335956057) | 3.5 (39) | Free | Finance | | [Currency Now](https://appshunter.io/ios/app/currency-now/id1525402900) | — | Free | Finance | | [SiDi](https://appshunter.io/ios/app/sidi/id1580907061) | 4.6 (691) | Free | Finance | ## More apps by KEM COMPANY FOR ELECTRONIC PAYMENT AND SETTLEMENT SERVICES - [Kem App](https://appshunter.io/ios/app/kem-app/id6739941056) All apps by KEM COMPANY FOR ELECTRONIC PAYMENT AND SETTLEMENT SERVICES: https://appshunter.io/developer/1682114841 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*