Comparison

IPOTKU vs GAJA

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

IPOTKU

This finance app offers a modern approach to saving, providing tax-free and fee-free options for maximum returns. It includes an advanced calculator for simulating loans, comparing cash flow scenarios, and determining monthly savings goals.

Highlights
  • Tax-free savings
  • No monthly fees
  • Maximized returns
  • Advanced loan calculator
  • Cash flow scenario comparison
  • Monthly savings planner
Read full description

Aplikasi IPOTKU memberi solusi bagi anda yang menginginkan tabungan dengan hasil maksimal, tanpa pajak, dan tanpa biaya bulanan. Dilengkapi dengan kalkulator advance untuk menghitung simulasi kredit, membandingkan beberapa skenario aliran kas, ataupun menghitung berapa yang harus anda sisihkan setiap bulannya agar dapat memenuhi impian anda. IPOTKU, Cara Modern Untuk Menabung.

About

GAJA

This app provides a comprehensive digital payment solution for all your needs. It integrates various transaction types, including money transfers, bill payments, and merchant purchases via QRIS scan. Enjoy safe and guaranteed transactions with access to exclusive promos and vouchers.

Highlights
  • Send money anytime, anywhere
  • Easy bill payments
  • QRIS scan for merchant purchases
  • Virtual account top-ups
  • Safe and guaranteed transactions
  • Exclusive promos and vouchers
Features
Read full description

Pay for all your needs anytime and anywhere with Gaja Digital Payment! Gaja Digital Payment offers various digital transaction integrated only in one application. With more than 3000 merchant from 150 leading brands under MAP involved, transaction with Gaja would make your purchasing a pleasant experience. Take a look on Gaja Digital Payment top feature, here 1. Send Money Anytime, Anywhere Transfer services at Gaja can be used from transfers to fellow Gaja users up until transfers to bank accounts without any problems. 2. Easy Way to Pay Bills From purchasing data packages to postpaid card payments, you can also pay all the electricity and BPJS Kesehatan bills easily from Gaja. 3. Ease of Purchase Make payments for purchases at various merchants easily through the QRIS scan feature. 4. Top-Up Easily via Virtual Account 5. Safe and Guaranteed Transactions. Gaja Digital Payment has been registered to Bank Indonesia, all financial transactions are guaranteed to be safe and reliable. 6. Explore Various Interesting Promos Find various attractive promos from merchants who have used Gaja and access exclusive vouchers that can only be obtained when transacting using Gaja Digital Payment.

Screenshots

IPOTKU4 screens
GAJA4 screens

Verdict

The call

The clearest difference is review sentiment: GAJA at 100% against IPOTKU's 50%. IPOTKU's advantage is update cadence (every 6 days vs every 2 months) and monetization model (free vs ad-supported). On price, ads, in-app purchases and device support 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

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

IPOTKU ships an update every 6 days, GAJA every 2 months. The most recent releases landed on October 19, 2026 and October 14, 2026 respectively.

Scorecard4 real differences · 6 level
IPOTKU versus GAJA: the parameters behind the verdict, then further details
ParameterIPOTKUGAJA
PriceFreeFree
Rating—5.0 (1 ratings) — better
Positive reviews50.0% of reviews100.0% of reviews — better
Number of ratings—1 — better
Update frequencyEvery 6 days — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS8.0 — better15.5
Further details — not scored
Size19 MB80 MB
Age rating4+4+
DeveloperPT INDO PREMIER SEKURITASPT GPay Digital Asia

Customer experience

IPOTKU

Written reviews6 reviews
Positive50.0%
Neutral33.3%
Negative16.7%

GAJA

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews6 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

IPOTKU

No in-app purchases

None

GAJA

No in-app purchases

Questions

Is IPOTKU free?
IPOTKU is free to download, with no in-app purchases.
Is GAJA free?
GAJA is free to download, with no in-app purchases.
Do IPOTKU or GAJA have ads?
Neither IPOTKU nor GAJA shows ads.
Which is updated more often, IPOTKU or GAJA?
IPOTKU ships an update every 6 days, and GAJA every 2 months. Most recently, IPOTKU was updated on October 19, 2026 and GAJA on October 14, 2026.

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