Keenu vs Paymo
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Keenu
Manage your finances with a secure digital app. Save, spend, and send money instantly, pay bills, and top up mobile credit. Designed to simplify payments for everyone.
- Add money from multiple channels
- Send, receive, and request money instantly
- Pay bills without queues
- Instant mobile top-ups
- Secure transaction system
Read full descriptionHide full description
Best solution for all payments troubles! Keenu provides the fastest and the most secure payments through its digital App. One App solution to save, spend and manage your money hassle free. It's like payments were never easy before we came along. Our mission is to encourage the millions of unbanked Pakistanis to innovate with Keenu. How does it work? Just sign up with your registered mobile number & CNIC. What can you do with Keenu? Add Money: You can use multiple channels to add an amount. Make use of the cash as you like with assurance of a secure transaction system and no hidden charges Move Money: Send, receive & request money from anyone, anywhere, anytime with Keenu. Just link the account, enter the amount, and make an instant transfer. Bill Payment: Make bill payments without waiting in long queues. Open Keenu App, select Bill Payment, enter bill account number to fetch details and pay your bill in an instant. Mobile Top-ups: Instantly recharge your mobile service in simple steps. Select Network, Add mobile number, Add amount and load your balance without any delay. Keenu is the fastest & most secure way to pay and get paid. Let's begin with the journey!
Paymo
A modern banking app designed for younger users, offering a simple, bold, and fun approach to managing finances. It focuses on social features to enhance the banking experience.
- Social banking features
- Simple interface
- Bold design
- Fun user experience
- Next-generation banking
Read full descriptionHide full description
Paymo is a money app built around your people and plans. Send money to any bank for free, split bills with friends, pay with any Raast QR, and keep your bills, top ups, events and gift cards in one place. Send to any bank. Free, always. Send money to any bank account or Paymo user, instantly over Raast. No fees on transfers. Split it. Settle it. Make a group for a trip, a dinner or the rent. Add a bill, choose who is in, and Paymo works out each share. Everyone can see who has paid, and a reminder does the chasing for you. Scan and pay Pay at shops or send to friends with any Raast QR code. Bills, top ups and packages Pay your electricity, gas, internet and phone bills. Top up any mobile number and buy mobile packages. Events and gift cards Book tickets to concerts, comedy nights and festivals, and keep them in Apple Wallet. Buy gift cards for gaming, streaming and shopping, paid in rupees. See where it all goes Your activity month by month, money in and out, and a breakdown of your spending by category. Open your account in the app No forms, no branch, no paperwork. Verify your ID with your CNIC and fingerprint, all in the app. Adding money Open your bank's app, select Digitt+ in your bank's transfer list, and send money to your Paymo account number. You'll find it in the app under Add Money. Your account, protected Payments are approved with your MPIN, and Paymo will never ask you for your MPIN or OTP. Paymo runs on Digitt+, an Electronic Money Institution licensed by the State Bank of Pakistan. Your Paymo card is coming Join the waitlist in the app. Questions? Message us on WhatsApp at +92 343 5185968 or email team@paymo.com.pk.
Screenshots
Verdict
The clearest difference is rating: Paymo at 5.0 against Keenu's 3.7. Keenu's advantage is ratings volume (9 vs 1). 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.
Paymo holds the better App Store score, 5.0 against 3.7. That said, the two scores are not equally well evidenced: Keenu has 9 ratings behind it against 1, so its average is the more settled of the two.
Both ship on a similar rhythm, roughly every 5 weeks. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.
| Parameter | Keenu | Paymo |
|---|---|---|
| Price | Free | Free |
| Rating | 3.7 (9 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 44.4% of reviews | — |
| Number of ratings | 9 — better | 1 |
| Update frequency | Every 5 weeks | Every 5 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.6 | 15.5 — better |
| Further details — not scored | ||
| Size | 115 MB | 116 MB |
| Age rating | 4+ | 4+ |
| Developer | WEMSOL (PVT.) LIMITED | Card Technologies (Private) Limited |
Customer experience
Keenu
Paymo
In-app purchases
Keenu
No in-app purchases
Paymo
No in-app purchases









