Comparison

Keepfully vs ZaPay

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

Head to head
About

Keepfully

Easily track money and items you lend or borrow. Get a clear overview of personal loans, receive automatic reminders, and organize everything with iCloud Sync and Siri support.

Highlights
  • Track money and objects lent/borrowed
  • Organize by person with overview
  • Automatic loan reminders
  • Archive of returned loans
  • iCloud Sync and Siri support
  • Widgets and Shortcuts integration
Features
Read full description

Keepfully is a simple, powerful app designed to help you keep track of everything you lend or borrow – whether it’s money, books, tools, or just about anything else. Instead of relying on memory or scattered notes, Keepfully gives you a clear overview of your personal loans, helping you stay organized and avoid awkward moments. TRACK MONEY AND OBJECTS Keep track of money and objects you’ve lent to or borrowed from friends, family, or colleagues. Keepfully supports multiple currencies and lets you optionally add a location to each loan – perfect for remembering the context later. PERSONS OVERVIEW See exactly who owes what with the Persons tab, which lists all your saved people along with their loans. Mark favorites for quicker access and display them directly in the iPad’s sidebar. AUTOMATIC REMINDERS Never forget an open loan again. Enable automatic reminders to receive a notification after a customizable amount of time from the loan’s creation date. ARCHIVE The archive stores all returned loans, offering peace of mind and easy reference. Can’t remember if you paid your friend back that $50 from the other night? Just check the archive. SYSTEM INTEGRATION Keepfully is deeply integrated with Apple’s ecosystem. Enjoy seamless iCloud Sync, Widgets, Siri support, and full Shortcuts integration to streamline your experience across devices. PRO FEATURES • Unlimited Loans (2 active loans are free) • Track Object Loans • Reminder Notifications • Customizable Quick Entries (The Pro features require an additional in app purchase.)

About

ZaPay

This app facilitates peer-to-peer lending among friends and family, offering automated payments and scheduled payback dates. It includes in-app chat for communication and a transaction history to track all financial exchanges.

Highlights
  • Automated payments
  • Scheduled payback dates
  • In-app chat
  • Transaction history
  • Star rating system
Read full description

Imagine a world where friends can lend money to friends without a care in the world? Imagine family spotting each other a few bucks with no worries at all. That time has arrived. If you don’t know now you know! ZaPay is the start of a brand new era in friends and family lending! Download today and start “ZaPayin” right away! ZaPay Features: - Automated Payments - Scheduled automated payback dates to ensure confidence and reduce confusion. - Chat Function in the app - Communicate with users within the app. - Transaction History - Keep record of every transaction - Star Rating system - Rate your fellow ZaPayers once the transaction is complete

Screenshots

Keepfully4 screens
ZaPay3 screens

Verdict

The call

The clearest difference is in-app purchases: ZaPay at none against Keepfully's 1. ZaPay also leads on iOS requirement (13.0 vs 18.0). Keepfully's advantage is update cadence (every 3 months vs every 11 months) and rating (3.9 vs 3.7). On price, review sentiment and ads 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. Keepfully sells 1 one-off in-app purchase. ZaPay asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Keepfully holds the better App Store score, 3.9 against 3.7. That said, the two scores are not equally well evidenced: Keepfully has 30 ratings behind it against 3, so its average is the more settled of the two. Written reviews split almost evenly too, at 50% and 50% positive.

UpkeepUpdate frequency

Keepfully ships an update every 3 months, ZaPay every 11 months. The most recent releases landed on September 11, 2026 and June 24, 2026 respectively.

Scorecard7 real differences · 3 level
Keepfully versus ZaPay: the parameters behind the verdict, then further details
ParameterKeepfullyZaPay
PriceFreeFree
Rating3.9 (30 ratings) — better3.7 (3 ratings)
Positive reviews50.0% of reviews50.0% of reviews
Number of ratings30 — better3
Update frequencyEvery 3 months — betterEvery 11 months
AdsNoNo
In-app purchasesYesNo — better
MonetizationFreemiumFree — better
DevicesiPhone, iPad, Apple Watch, Vision Pro — betteriPhone, iPod
Requires iOS18.013.0 — better
Further details — not scored
Size14 MB27 MB
Age rating4+4+
DeveloperAlexander KaessnerZaPay LLC

Customer experience

Keepfully

All ratings30 ratings
Positive66.7%
Neutral10.0%
Negative23.3%
Written reviews12 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

ZaPay

All ratings3 ratings
Positive66.7%
Neutral0.0%
Negative33.3%
Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

In-app purchases

1 purchases

Keepfully

One-time1
  • Keepfully Pro$2.99
None

ZaPay

No in-app purchases

Questions

Is Keepfully free?
Keepfully is free to download, with in-app purchases available.
Is ZaPay free?
ZaPay is free to download, with no in-app purchases.
Which has better reviews, Keepfully or ZaPay?
Keepfully is rated higher. Keepfully averages 3.9 out of 5 from 30 ratings, while ZaPay averages 3.7 from 3 ratings.
Do Keepfully or ZaPay have ads?
Neither Keepfully nor ZaPay shows ads.
Which is updated more often, Keepfully or ZaPay?
Keepfully ships an update every 3 months, and ZaPay every 11 months. Most recently, Keepfully was updated on September 11, 2026 and ZaPay on June 24, 2026.

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