# payme vs xazna

The clearest difference is rating: payme at 4.8 against xazna's 3.9. payme also leads on ratings volume (8.5K vs 63) and review sentiment (50% vs 31%). xazna's advantage is monetization model (free vs freemium). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

payme holds the better App Store score, 4.8 against 3.9. That said, the two scores are not equally well evidenced: payme has 8.5K ratings behind it against 63, so its average is the more settled of the two. Written reviews point the same way: 50% of payme's written reviews are positive against 31% of xazna's.

payme ships an update weekly, xazna fortnightly. The most recent releases landed on November 1, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | payme | xazna |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (8.5K ratings)](https://appshunter.io/ios/app/payme/id1093525667/reviews)** | [3.9 (63 ratings)](https://appshunter.io/ios/app/xazna/id1642489915/reviews) |
| Number of ratings | **8.5K** | 63 |
| Positive reviews | **50.0% of reviews** | 30.8% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Weekly** | Fortnightly |
| Monetization | Freemium | **Free** |
| Size | 605 MB | 333 MB |
| Requires iOS | 16.5 | **15.0** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 12+ | 17+ |
| Developer | [DIDA (INSPIRED LLC)](https://appshunter.io/developer/607586534) | [АT "Xalq Bank"](https://appshunter.io/developer/1255778154) |

## What reviewers say

### payme

[App page](https://appshunter.io/ios/app/payme/id1093525667)

This app simplifies your financial life by allowing you to pay bills, transfer money, and manage expenses all in one place. Enjoy commission-free payments, earn bonuses, and even pay in stores using QR codes. Track your spending with detailed analytics and access exclusive features with a subscription.

**Highlights:** Pay bills and fines without commission, Card-to-card money transfers, Earn bonuses and cashback, QR code payments in stores, Expense tracking and analytics, Subscription for premium features

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 Convenient and easy to use
- 🚀 Quick and efficient money transfers
- 💡 Useful for monitoring transactions

**What reviewers complain about**

- 🐛 Bugs and crashes on certain devices
- 💰 High service fees
- 🔌 Compatibility issues with older devices

**Reported bugs**

- Icons not loading when abroad
- Monitoring section not updating
- Registration and login issues
- Balance display bug

**Requested features**

- Full-screen support for iPad
- Free money transfer option
- Improved monitoring and analytics
- Cashback or rewards program


### xazna

[App page](https://appshunter.io/ios/app/xazna/id1642489915)

Manage your finances, control accounts and cards, pay for services, and make transfers securely. Access government services without digital signatures and get information on banking services and loans.

**Highlights:** Financial control and expense tracking, Government service access without digital signature, Banking service information, Loan management and early repayment, Service payments (mobile, utilities, taxes), QR code payments, Card and phone number transfers, Currency exchange

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is payme free?

payme is free to download, with no in-app purchases.

### Is xazna free?

xazna is free to download, with no in-app purchases.

### Which has better reviews, payme or xazna?

payme is rated higher. payme averages 4.8 out of 5 from 8.5K ratings, while xazna averages 3.9 from 63 ratings.

### Do payme or xazna have ads?

Neither payme nor xazna shows ads.

### Which is updated more often, payme or xazna?

payme ships an update weekly, and xazna fortnightly. Most recently, payme was updated on November 1, 2026 and xazna on October 30, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*