HesabPay vs AziPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
HesabPay
This app provides a secure digital wallet for instant financial transactions. It allows for seamless money transfers from various channels, bill payments, mobile top-ups, and worldwide cash withdrawals. It's accessible via a mobile app and USSD for feature phones.
- Instant money transfers from 20+ channels
- Bill payments for utilities and internet
- Mobile top-up services
- Worldwide cash withdrawals via agents
- USSD accessibility for feature phones
- Secure digital wallet
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Introducing HesabPay - Your Trusted Mobile Wallet HesabPay is the ultimate payment solution to pay anyone, anywhere and anytime - empowering you to create your own secure digital wallet instantly and providing you with instant access to a world of financial possibilities. Seamless Money Transfers: Say goodbye to long waiting times and complicated processes. HesabPay enables you to transfer money effortlessly from over 20 channels, including banks, cards, Apple Pay, Google Pay, Microsoft Pay, and even USDC. Experience the convenience of instant and hassle-free money transfers right at your fingertips. Beyond Mobile Payments: HesabPay goes beyond mobile payments. Paying bills has never been easier, as you can settle your utilities, internet, and other bills conveniently from within the app. Need to recharge your mobile? HesabPay has got you covered with seamless mobile top-up services. It's your one-stop solution for all your financial needs. Worldwide Cash Withdrawals: Need to withdraw cash? No problem! HesabPay offers the flexibility to withdraw money using any nearby HesabPay or MoneyGram agent. No matter where you are in the world, access cash easily and conveniently whenever you need. Mobile App Convenience: For smartphone users, our HesabPay mobile app provides a sleek and user-friendly interface that allows you to access all the features and services with just a few taps. Experience the full power of HesabPay's capabilities right on your smartphone, making financial transactions and managing your funds easier than ever before. USSD Accessibility: We haven't forgotten about feature phone users. With HesabPay's USSD support, even if you don't own a smartphone, you can still enjoy the benefits of a digital wallet. Simply dial the provided USSD code on your feature phone, and you'll have access to a wide range of financial services, including money transfers, bill payments, and cash withdrawals. Trusted and Secure: Rest assured knowing that your funds and personal information are safe with HesabPay. We utilize state-of-the-art security measures to protect your transactions and keep your data secure at all times. Join thousands of satisfied users who have embraced the financial freedom offered by HesabPay. Say goodbye to the limitations of traditional banking and embrace the convenience of an online digital mobile wallet. Download HesabPay today and experience a new era of financial accessibility and convenience!
AziPay
This mobile wallet allows users to manage their finances conveniently and securely. It facilitates money transfers, merchant payments, bill payments, and ATM cash withdrawals directly from a smartphone.
- Money transfers to other wallet users
- Load money from bank accounts
- Merchant payments via scan and pay
- ATM cash out without a card
- Bank account inquiries and statements
- Bill payments
- Prepaid mobile recharge
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Azizi Bank continues to redefine the way banking is done in Afghanistan. With strong technology-driven solutions Bank is continuously bringing the new services which ride on the mantra of convenience and security. Azizi Bank is proud to launch the first mobile-based wallet solution in the country with a brand name AZI-PAY. AZIPAY is AZIZI Bank's mobile wallet on your smartphone. It is a prepaid wallet which can be used to transfer money to other wallet users, load money from bank accounts, make merchant payments, Cash Out from ATMs, make your bank Account Inquiries, make bill payments, and request money anytime, anywhere. Features Available : Add Money through Debit Card/Branch channel View Your Bank Account Balance/Statement ATM Cash Out Send Money Scan and Pay – Merchant Payments Prepaid Mobile Recharge Pay Your Bills Requests Money Open Account Request E KYC Registration: You can sign up/register with (Mobile Number (mandatory), email ID (optional) & MPIN). Download and install the AZIPAY wallet on your smartphone. To sign up, you need to do the following - a) You will have to enter mobile number (mandatory) b) You will have to enter OTP sent on Mobile and set MPIN. If OTP is not received by you, then use the 'Resend OTP' link to resend the OTP to your mobile number c) You have to enter Your Name and Date of Birth and Email ID. d) Then, you have to select a security Question from the dropdown and type your answer as prompted & submit the request. e) Upon successful registration, you will be registered for AZIPAY Mobile Wallet. A success message will be sent on your mobile. You can even withdraw cash from ATM using your Azipay wallet. No card required for ATM withdrawal now. You can even send money to the mobile number of the beneficiary and he can withdraw that amount from the ATM. Azi-Pay brings a plethora of services on your Mobile Phone.
Screenshots
Verdict
The clearest difference is review sentiment: HesabPay at 80% against AziPay's 28%. HesabPay also leads on rating (4.6 vs 3.9) and update cadence (fortnightly vs every 2 months). AziPay's advantage is iOS requirement (11.0 vs 15.5.0). On price, ads, in-app purchases and monetization model 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. Neither carries in-app purchases, so what you see is what you pay.
HesabPay holds the better App Store score, 4.6 against 3.9. That said, the two scores are not equally well evidenced: HesabPay has 1.7K ratings behind it against 156, so its average is the more settled of the two. Written reviews point the same way: 80% of HesabPay's written reviews are positive against 28% of AziPay's.
HesabPay ships an update fortnightly, AziPay every 2 months. The most recent releases landed on October 24, 2026 and October 23, 2026 respectively.
| Parameter | HesabPay | AziPay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (1.7K ratings) — better | 3.9 (156 ratings) |
| Positive reviews | 79.8% of reviews — better | 28.2% of reviews |
| Number of ratings | 1.7K — better | 156 |
| Update frequency | Fortnightly — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.5.0 | 11.0 — better |
| Further details — not scored | ||
| Size | 274 MB | 73 MB |
| Age rating | 4+ | 4+ |
| Developer | Zinzir Ltd | Azizi Bank |
Customer experience
HesabPay
AziPay
User reviews
HesabPay
From 1.7K App Store ratingsWhat we love
- 🇦🇫 Revolutionary financial app for Afghanistan
- 💳 Robust digital payment features
- 🚀 Efficient money transfer and bill payment
- 🌍 Supports global cash withdrawals
- 📱 Works on both smartphones and feature phones
Room to improve
- 🐛 Occasional bugs and glitches
- 🔒 Security and login issues for some users
- 📞 Poor customer support experience
- 💳 Issues with gift card and payment integrations
AziPay
From 156 App Store ratingsWhat we love
- 👍 The best App
- 👍 Great achievement
- 👍 IT’s working very good
- 👍 The application is quite good
- 👍 The app works better!
Room to improve
- 🐛 Full of bags
- 🐛 Add card issue
- 🐛 The latest version of the app has bugs
- 🐛 Must repair
- 🐛 Very bad app
Bugs and requests
HesabPay
Reported bugs
4 issues- Login screen freezes
- App not working in certain regions
- Balance not showing correctly
- Face recognition feature not functioning properly
Requested features
4 requests- Add support for Binance and other crypto platforms
- Integrate with more local ISPs and utility providers
- Enable international payment options like PayPal
- Improve onboarding and location-based services
AziPay
Reported bugs
54 issues- Add card issue
- The latest version of the app has bugs
- It james while clicking on topup mobile icon
- It has stock glitche and doesn’t work
- New update
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- From my experience, the app is full of bugs and constantly crashes. The features rarely work properly, and recent updates haven’t fixed anything.
- It’s been a frustrating experience overall.
- دا فروګرام له هر ځلي افډیټ څخه ستړي
- هیله کوم یو ځلی ټول تغیرات پکي راولي هرځلي چي خلاص کو افډيټ غواړي, دا څه ریشخند ده تاسو ورشئ یو بل فروګرام وچلوی هغه هم داسي کوي نادیده خلکو یوڅه وویني.
- This version is not working in IPhone very well.
- Issue in creating user account in IOS
- First it was not working and later while it somehow worked, the OTP was not sent to my phone.
- If it was sent it was very late for the application to accept OTP.
- bad quality
- this version that recently come is not workkng good and its very weak !!!
- My Azipay account is blocked
- However I went to Azizi bank to unlock my account.
- Agent told me that he reported the issue but in reply the say the email does not match.
- Unfortunately I don’t remember which email I have used in Azipay.
- I am stuck 😏😏
- Phone recharge is not working
- The only thing which was working in this app was phone recharge, now that also not working.
- Only when you touch the phone recharge option, the app hangs and stops working.
- Worst Banking app ever after update
- Your app does not load for 10 mins .. fix it .. you are good keeping the money and have profit on our money building towers but you couldn’t make a simple app ..
- Worst app ever
- Did you guys even paid the developer for such an app?
- Can’t believe a big bank like this have this kind of buggy app.
- Useless
- In previous government it was a good app but now it is totally useless infact I strongly suggest everyone to not spend your mbs and time for downloading this app because the only service which this app was providing sending mobile credit card which has been stop since last week.
- I am very upset from this bank and their poor services 😡😡😡
- Failed Response
- Phone Recharge option is not working on IOS.
- It is responding with a failed message.
- The electricity bill payment is suspended, hope this issue will be solved soon!
- It seriously needs an update.
- It doesn’t work correctly on iOS 15.
- Doesn’t work probably
- The app has many problems.
- It’s very slow and doesn’t work most of the time.
- Please invest in this app and develop it by some professional app developers.
- Buq in ios 14
- After update ios 14 azi pay apps not work
- After update still not loading..
- It wouldn’t add a Credit Card, in yesterday’s it might have been fixed but now it’s not loading anything..
- Error
- When i enter my phone number, an error pops up and says validation failed
- Not working in IOS 14 iphone X
- The pervious version used to work very well but this version keeps crashing.
- Fix it please
- Azi-Pay is not working
- This version of AziPay pay app is not working all the options are out of order please fix
- It's not functional on 11 pro
- The new version doesnt work on 11 pro don't know what's the prob
Requested features
4 requests- Add card issue
- Please update it
- Please revise it
- Please add option for transferring AZI Pay balance to Azizi bank account.
In-app purchases
HesabPay
No in-app purchases
AziPay
No in-app purchases







