MasterPass Scan to Pay vs Bank Zero
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
MasterPass Scan to Pay
Easily scan and pay QR codes for groceries, bills, and online purchases. Securely add Visa and Mastercard for convenient payments without entering card details. Purchase prepaid airtime and data bundles instantly.
- Scan and pay QR codes
- Securely add bank cards
- Pay bills and online purchases
- Buy prepaid airtime and data
- No need to enter card details
- Industry-standard encryption
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Scan to Pay powered by Ukheshe. Our app makes it easy to scan and pay QR codes for almost anything, from groceries to bills to online shopping. Sign up using only your mobile number and securely add bank cards from Visa and Mastercard for safe and convenient payments. Your cards are protected with industry-standard encryption keeping you safe and secure. You can pay any printed or online QR codes from Scan to Pay/Masterpass or SnapScan. Pay bills from Pay@, Easy Pay, DStv, municipalities and more. You can also pay faster at online retailers like Takealot and more by selecting Scan to Pay or Masterpass when checking out. You don’t need to enter card details or banking information. Our app provides convenience when buying prepaid airtime, data and SMS bundles from MTN and Vodacom for yourself or someone else. Select the product you want and use your saved cards to pay. Your prepaid airtime and data will be automatically loaded. No need to enter voucher codes. Scan to Pay is a convenient and secure way to make payments.
Bank Zero
A modern, app-driven bank offering robust financial services for individuals and businesses at no cost. Features include secure transactions, account management, and dedicated support. Explore unique banking functionalities and manage your finances seamlessly.
- App-driven banking
- Zero cost services
- Individual and business accounts
- Secure patented card
- Dedicated banking specialists
- Account opening and management
- Payment and transfer services
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Powerful and robust banking... at Zero cost! Bank Zero is a modern App-driven bank for individuals AND businesses. Customers also get a secure patented card and can chat via email with a dedicated team of banking specialists. Visit www.BankZero.co.za for 16 powerful unique features and more... You can do these banking activities: • Register • Open accounts including investments • Businesses banking and related functionality • Relationship Banking and Auth Chain • Opening of new business types - Pty, Solo, CC, NPO's, NPI's and Partnerships • Pay • Apple Pay • SARS/Public Recipient Pay • Transfer • Buy prepaid • Send Money • Pay via QR code • Pay many for multiple payments • Import recipient list for Pay Many using CSV upload • Pay Immediately • Stopping of Debit Orders • Update business FICA at any time • Download your statements and letters • Ability to switch daily emails on/off • Add your children (so they get full access) • Link people to your account, like friends and family • Setup owners/officials and the authorisation chain for your businesses
Screenshots
Verdict
The clearest difference is review sentiment: Bank Zero at 67% against MasterPass Scan to Pay's 13%. Bank Zero also leads on rating (3.5 vs 1.8) and ratings volume (12 vs 4). On price, update cadence, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Bank Zero holds the better App Store score, 3.5 against 1.8. Both are backed by a comparable volume of ratings — 4 and 12 respectively. Written reviews point the same way: 13% of MasterPass Scan to Pay's written reviews are positive against 67% of Bank Zero's.
MasterPass Scan to Pay ships an update every 3 weeks, Bank Zero every 5 weeks. The most recent releases landed on October 24, 2026 and October 22, 2026 respectively.
| Parameter | MasterPass Scan to Pay | Bank Zero |
|---|---|---|
| Price | Free | Free |
| Rating | 1.8 (4 ratings) | 3.5 (12 ratings) — better |
| Positive reviews | 12.8% of reviews | 66.7% of reviews — better |
| Number of ratings | 4 | 12 — better |
| Update frequency | Every 3 weeks — better | Every 5 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 | 12.0 — better |
| Further details — not scored | ||
| Size | 28 MB | 148 MB |
| Age rating | 4+ | 9+ |
| Developer | Ukheshe Technologies (Pty) Ltd | Bank Zero |
Customer experience
MasterPass Scan to Pay
Bank Zero
In-app purchases
MasterPass Scan to Pay
No in-app purchases
Bank Zero
No in-app purchases
Questions
Is MasterPass Scan to Pay free?
Is Bank Zero free?
Which has better reviews, MasterPass Scan to Pay or Bank Zero?
Do MasterPass Scan to Pay or Bank Zero have ads?
Which is updated more often, MasterPass Scan to Pay or Bank Zero?
Other comparisons
