# Kaspi Pay vs Expense Tracker

The clearest difference is in-app purchases: Kaspi Pay at none against Expense Tracker's 6. Kaspi Pay also leads on ratings volume (36 vs 6) and iOS requirement (15.5 vs 17.0). Expense Tracker's advantage is review sentiment (100% vs 67%) and rating (5.0 vs 4.8). On price, update cadence, ads and monetization model there is nothing between them.

Both are free to download. Expense Tracker sells 6 in-app purchases, starting at $2.99 per month. Kaspi Pay asks for nothing beyond the download.

Expense Tracker holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Kaspi Pay has 36 ratings behind it against 6, so its average is the more settled of the two. Written reviews point the same way: 67% of Kaspi Pay's written reviews are positive against 100% of Expense Tracker's.

Kaspi Pay ships an update weekly, Expense Tracker every 4 days. The most recent releases landed on October 24, 2026 and October 20, 2026 respectively.

## The numbers

| Metric | Kaspi Pay | Expense Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (36 ratings)](https://appshunter.io/ios/app/kaspi-pay/id1262997215/reviews) | **[5.0 (6 ratings)](https://appshunter.io/ios/app/expense-tracker-spendo/id6736650564/reviews)** |
| Number of ratings | **36** | 6 |
| Positive reviews | 67.2% of reviews | **100.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Weekly | **Every 4 days** |
| Monetization | Free with in-app purchases | Freemium |
| Size | 185 MB | 99 MB |
| Requires iOS | **15.5** | 17.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Kaspi Bank АО](https://appshunter.io/developer/1195076503) | [Akarys Turganbekuly](https://appshunter.io/developer/1626436372) |

## What reviewers say

### Kaspi Pay

[App page](https://appshunter.io/ios/app/kaspi-pay/id1262997215)

Accept payments from millions of customers using QR codes, links, or invoices. This app offers a mobile POS, remote payment options, and integrates with online marketplaces. It also provides business tools like instant fund transfers, credit options, and tax management.

**Highlights:** Accept payments from 14 million Kaspi users, Mobile POS functionality, Remote payment via links and invoices, Online store integration, Instant fund transfers, Business credit options, Automated tax reporting

**In-app purchases:** none


### Expense Tracker

[App page](https://appshunter.io/ios/app/expense-tracker-spendo/id6736650564)

This app helps you understand where your money goes by tracking expenses and income. It offers features like multi-currency support, subscription tracking, and category budgets, all while prioritizing user privacy with data stored locally.

**Highlights:** Multi-currency support, Subscription tracking, Category budgets, 100% privacy, Lightning-fast entry, CSV export, Face ID / Touch ID protection

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

**In-app purchases (6)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly plan | $2.99 | per month |
| Annual Plan | $8.99 | per year |
| Yearly plan | $8.99 | per year |
| Yearly plan | $17.99 | per year |
| Lifetime Plan | $14.99 | one-time |
| Lifetime Plan | $29.99 | one-time |


## Frequently asked questions

### Is Kaspi Pay free?

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

### Is Expense Tracker free?

Expense Tracker is free to download, with in-app purchases available.

### Which has better reviews, Kaspi Pay or Expense Tracker?

Expense Tracker is rated higher. Kaspi Pay averages 4.8 out of 5 from 36 ratings, while Expense Tracker averages 5.0 from 6 ratings.

### Do Kaspi Pay or Expense Tracker have ads?

Neither Kaspi Pay nor Expense Tracker shows ads.

### Which is updated more often, Kaspi Pay or Expense Tracker?

Kaspi Pay ships an update weekly, and Expense Tracker every 4 days. Most recently, Kaspi Pay was updated on October 24, 2026 and Expense Tracker on October 20, 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.*