Comparison

Pi Pay vs SpendSmart

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

Head to head
About

Pi Pay

This app facilitates fast, secure, and convenient payments for online and in-store purchases across Cambodia. It allows users to pay for various goods and services, send money to friends, and manage utility bills. Users can easily add funds to their digital wallet through various methods.

Highlights
  • Fast, secure online and in-store payments
  • Send and receive money
  • Online top-ups and utility bill payments
  • Add money via Pay&Go, online banking, or cash-in
  • Explore nearby merchants accepting Pi Pay
Features
Read full description

Use Pi Pay for the fastest, most secure online and in-store payments! Pay for movie tickets, food, coffee, fashion, gas, and many more in Cambodia. Quick, easy, convenient and secure. **Send / Receive Payments** Pay in store or send money to friends. No need to carry cash or worry about loose change! **Online Top-Ups and Utility Bill Payments** Top-up your mobile phone, pay your utility and internet bills or settle your monthly insurance premiums bills through Pi Pay. **Add Money to your Pi Pay Wallet** Add money to your Pi Pay app via Pay&Go machines or transfer from multiple online banking apps (ABA Bank, Sathapana Bank, Amret, RHB Bank and more to come soon) or cash-in at all AMK branches and agent nationwide **Explore Nearby** Explore places near you that accept payment through Pi Pay wallet. Cinemas, restaurants, coffee shops, supermarkets, and gas stations are all joining forces with Pi Pay to make your life more connected and more mobile. Don’t forget to look out for great deals exclusively for Pi Pay users! Start enjoying the amazing benefits of Pi Pay. Download it now.

About

SpendSmart

Features
Read full description

SpendSmart is a clean and privacy-first expense tracker designed to help you manage your money with simplicity and clarity. Track your daily expenses, monitor spending habits, and stay organized with an intuitive and modern experience built for iPhone. All your data is stored locally on your device, giving you full control over your financial information. Features • Track daily income and expenses • View spending insights and summaries • Organize transactions by categories • Simple and modern user interface • Fast and lightweight experience • Privacy-focused local storage • No unnecessary data collection Whether you are managing personal expenses, budgeting your monthly spending, or simply trying to build better financial habits, SpendSmart helps you stay aware of where your money goes. Built with SwiftUI for a smooth and modern iOS experience.

Screenshots

Pi Pay4 screens
SpendSmart4 screens

Verdict

The call

The clearest difference is iOS requirement: Pi Pay at 15.0 against SpendSmart's 18.6. 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

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

Pi Pay ships an update monthly, SpendSmart every 3 weeks. The most recent releases landed on November 2, 2026 and October 28, 2026 respectively.

Scorecard1 real difference · 9 level
Pi Pay versus SpendSmart: the parameters behind the verdict, then further details
ParameterPi PaySpendSmart
PriceFreeFree
Rating3.5 (67 ratings) — better—
Positive reviews34.8% of reviews—
Number of ratings67 — better—
Update frequencyMonthlyEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPod — betteriPhone
Requires iOS15.0 — better18.6
Further details — not scored
Size134 MB2 MB
Age rating4+4+
DeveloperPi Pay Plc.Brahmjot Singh Tatla

In-app purchases

None

Pi Pay

No in-app purchases

None

SpendSmart

No in-app purchases

Questions

Is Pi Pay free?
Pi Pay is free to download, with no in-app purchases.
Is SpendSmart free?
SpendSmart is free to download, with no in-app purchases.
Do Pi Pay or SpendSmart have ads?
Neither Pi Pay nor SpendSmart shows ads.
Which is updated more often, Pi Pay or SpendSmart?
Pi Pay ships an update monthly, and SpendSmart every 3 weeks. Most recently, Pi Pay was updated on November 2, 2026 and SpendSmart on October 28, 2026.

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