# Keepfully vs ZaPay

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.

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.

## The numbers

| Metric | Keepfully | ZaPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.9 (30 ratings)](https://appshunter.io/ios/app/keepfully-loan-tracker/id1273375959/reviews)** | [3.7 (3 ratings)](https://appshunter.io/ios/app/zapay/id1632479997/reviews) |
| Number of ratings | **30** | 3 |
| Positive reviews | 50.0% of reviews | 50.0% of reviews |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Every 3 months** | Every 11 months |
| Monetization | Freemium | **Free** |
| Size | 14 MB | 27 MB |
| Requires iOS | 18.0 | **13.0** |
| Devices | **iPhone, iPad, Apple Watch, Vision Pro** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Alexander Kaessner](https://appshunter.io/developer/1273375958) | [ZaPay LLC](https://appshunter.io/developer/1632479999) |

## What reviewers say

### Keepfully

[App page](https://appshunter.io/ios/app/keepfully-loan-tracker/id1273375959)

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:** macOS Compatibility, Apple Watch app

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Keepfully Pro | $2.99 | one-time |


### ZaPay

[App page](https://appshunter.io/ios/app/zapay/id1632479997)

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

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*