# Circlys | سيركليز vs tiqmo

The clearest difference is rating: Circlys | سيركليز at 4.7 against tiqmo's 4.2. Circlys | سيركليز also leads on ratings volume (5.8K vs 354) and monetization model (ad-supported vs free with in-app purchases). tiqmo's advantage is update cadence (weekly vs every 4 weeks). On price, review sentiment, 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.

Circlys | سيركليز holds the better App Store score, 4.7 against 4.2. That said, the two scores are not equally well evidenced: Circlys | سيركليز has 5.8K ratings behind it against 354, so its average is the more settled of the two. Written reviews point the same way: 49% of Circlys | سيركليز's written reviews are positive against 44% of tiqmo's.

Circlys | سيركليز ships an update every 4 weeks, tiqmo weekly. Both last shipped on September 25, 2026.

## The numbers

| Metric | Circlys | سيركليز | tiqmo |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (5.8K ratings)](https://appshunter.io/ios/app/circlys/id1224588436/reviews)** | [4.2 (354 ratings)](https://appshunter.io/ios/app/tiqmo/id1664051459/reviews) |
| Number of ratings | **5.8K** | 354 |
| Positive reviews | **48.9% of reviews** | 44.4% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 weeks | **Weekly** |
| Monetization | **Ad-supported** | Free with in-app purchases |
| Size | 109 MB | 127 MB |
| Requires iOS | **13.0** | 15.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Saving circles](https://appshunter.io/developer/1371705120) | [Tiqmo](https://appshunter.io/developer/1659823930) |

## What reviewers say

### Circlys | سيركليز

[App page](https://appshunter.io/ios/app/circlys/id1224588436)

This app digitizes traditional savings and credit committee systems, offering a secure and hassle-free way to manage your finances. It provides guaranteed savings plans with no intermediaries and allows customization of savings circles.

**Highlights:** Digital savings and credit committees, Guaranteed savings plans, No intermediaries, Customizable savings circles, Secure financial management, Hassle-free transactions

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 Reliable and trustworthy service
- 🚀 Efficient and timely payouts
- 💡 Convenient way to save and earn
- 🔒 Secure and regulated platform

**What reviewers complain about**

- 💰 Excessively high fees and charges
- 🕰️ Delayed responses from customer service
- 🤔 Lack of transparency in policies and procedures
- 🚫 Inconsistent service and unreliable performance

**Reported bugs**

- App crashes and freezes on certain devices
- Compatibility issues with newer OS versions

**Requested features**

- Add more payment options (e.g., Visa)
- Improve communication and responsiveness
- Provide more detailed information on fees and charges
- Enhance user-friendly interface and navigation


### tiqmo

[App page](https://appshunter.io/ios/app/tiqmo/id1664051459)

Manage your finances with a comprehensive digital app offering prepaid Mastercard options, global money transfers, and bill payments. Gain insights into spending, track budgets, and access an integrated marketplace for mobile recharges and e-vouchers.

**Highlights:** Prepaid Mastercard options (Standard Mada, Platinum), Global and local money transfers, International and local bill payments (SADAD integration), Spending insights and budget tracking, Integrated marketplace for mobile recharge and e-vouchers, ATM cash withdrawal

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 💸 Generous cash back
- 🚀 Fast international transfers
- 💳 Convenient bill payments
- 🗂️ Helpful budgeting tools
- 🔒 Reliable and secure

**What reviewers complain about**

- 🚫 Mandatory location access
- 🤖 Buggy app performance
- ❌ Failed international/local transfers
- 🕰️ Slow customer support response
- 💰 Unexpected fees and charges

**Reported bugs**

- Login and account verification issues
- Frequent app crashes and freezes
- Delayed or failed money transfers
- Inconsistent cash back application

**Requested features**

- Improved international transfer experience
- Enhanced security and privacy controls
- Seamless integration with other financial apps
- More transparent cash back policies


## Frequently asked questions

### Is Circlys | سيركليز free?

Circlys | سيركليز is free to download, with no in-app purchases.

### Is tiqmo free?

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

### Which has better reviews, Circlys | سيركليز or tiqmo?

Circlys | سيركليز is rated higher. Circlys | سيركليز averages 4.7 out of 5 from 5.8K ratings, while tiqmo averages 4.2 from 354 ratings.

### Do Circlys | سيركليز or tiqmo have ads?

Neither Circlys | سيركليز nor tiqmo shows ads.

### Which is updated more often, Circlys | سيركليز or tiqmo?

Circlys | سيركليز ships an update every 4 weeks, and tiqmo weekly. Most recently, Circlys | سيركليز was updated on September 25, 2026 and tiqmo on September 25, 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.*