# Capitec Bank vs Zeam

The clearest difference is rating: Capitec Bank at 4.0 against Zeam's 1.0. Capitec Bank also leads on ratings volume (24 vs 1). Zeam's advantage is review sentiment (67% vs 32%). On price, update cadence, ads and in-app purchases there is nothing between them.

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

Capitec Bank holds the better App Store score, 4.0 against 1.0. That said, the two scores are not equally well evidenced: Capitec Bank has 24 ratings behind it against 1, so its average is the more settled of the two. Written reviews complicate that: 32% of Capitec Bank's written reviews are positive against 67% of Zeam's, so the app with the better star average is not the one people write more warmly about.

Both ship on a similar rhythm, roughly fortnightly. The most recent releases landed on November 6, 2026 and November 4, 2026 respectively.

## The numbers

| Metric | Capitec Bank | Zeam |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.0 (24 ratings)](https://appshunter.io/ios/app/capitec-bank/id1217842108/reviews)** | [1.0 (1 ratings)](https://appshunter.io/ios/app/zeam/id6541750680/reviews) |
| Number of ratings | **24** | 1 |
| Positive reviews | 31.5% of reviews | **66.7% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Fortnightly | Fortnightly |
| Monetization | Free | Free |
| Size | 211 MB | 79 MB |
| Requires iOS | **13.0** | 14.0.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [Capitec Bank Limited](https://appshunter.io/developer/464591344) | [Paytec Netherlands B.V.](https://appshunter.io/developer/1757208182) |

## What reviewers say

### Capitec Bank

[App page](https://appshunter.io/ios/app/capitec-bank/id1217842108)

Manage your finances with a secure and easy-to-use mobile banking app. Open accounts, make payments, send money, and manage savings and credit all from your smartphone. Enjoy features like biometric login, fraud alerts, and contactless payment management.

**Highlights:** Open accounts with selfie and ID, Secure biometric login and fraud alerts, Instant bill payments and cash transfers, Manage savings plans and earn interest, Apply for loans and credit cards, Contactless card transaction management

**Features:** Apple Wallet

**In-app purchases:** none


### Zeam

[App page](https://appshunter.io/ios/app/zeam/id6541750680)

This app provides a comprehensive financial ecosystem with tools for payments, grocery shopping, service purchases, and international money transfers. It aims to offer value and support users on their financial journey, especially for those without traditional bank accounts.

**Highlights:** Pay casual workers without bank accounts, Shop groceries with ZEAM wallet, Purchase airtime and essential services, Send money internationally affordably, QR code and invoice link payments

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

**In-app purchases:** none


## Frequently asked questions

### Is Capitec Bank free?

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

### Is Zeam free?

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

### Which has better reviews, Capitec Bank or Zeam?

Capitec Bank is rated higher. Capitec Bank averages 4.0 out of 5 from 24 ratings, while Zeam averages 1.0 from 1 ratings.

### Do Capitec Bank or Zeam have ads?

Neither Capitec Bank nor Zeam shows ads.

### Which is updated more often, Capitec Bank or Zeam?

Capitec Bank ships an update fortnightly, and Zeam fortnightly. Most recently, Capitec Bank was updated on November 6, 2026 and Zeam on November 4, 2026.

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