Keepfully vs ZaPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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.)
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.
- Automated payments
- Scheduled payback dates
- In-app chat
- Transaction history
- Star rating system
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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
Verdict
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
Both are free to download. Keepfully sells 1 one-off in-app purchase. ZaPay asks for nothing beyond the download.
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.
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.
| Parameter | Keepfully | ZaPay |
|---|---|---|
| Price | Free | Free |
| Rating | 3.9 (30 ratings) — better | 3.7 (3 ratings) |
| Positive reviews | 50.0% of reviews | 50.0% of reviews |
| Number of ratings | 30 — better | 3 |
| Update frequency | Every 3 months — better | Every 11 months |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Freemium | Free — better |
| Devices | iPhone, iPad, Apple Watch, Vision Pro — better | iPhone, iPod |
| Requires iOS | 18.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 14 MB | 27 MB |
| Age rating | 4+ | 4+ |
| Developer | Alexander Kaessner | ZaPay LLC |
Customer experience
Keepfully
ZaPay
In-app purchases
Keepfully
- Keepfully Pro$2.99
ZaPay
No in-app purchases








