# AsetKu vs POSPAY

The clearest difference is rating: AsetKu at 4.5 against POSPAY's 1.7. AsetKu also leads on review sentiment (57% vs 15%) and ads (none vs shown). On price, ratings volume, update cadence and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

AsetKu holds the better App Store score, 4.5 against 1.7. Both are backed by a comparable volume of ratings — 27 and 11 respectively. Written reviews point the same way: 57% of AsetKu's written reviews are positive against 15% of POSPAY's.

AsetKu ships an update every 2 months, POSPAY every 6 weeks. The most recent releases landed on October 16, 2026 and October 15, 2026 respectively.

## The numbers

| Metric | AsetKu | POSPAY |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (27 ratings)](https://appshunter.io/ios/app/asetku-digital-lending/id1300452602/reviews)** | [1.7 (11 ratings)](https://appshunter.io/ios/app/pospay/id1542001621/reviews) |
| Number of ratings | **27** | 11 |
| Positive reviews | **56.6% of reviews** | 15.3% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 2 months | **Every 6 weeks** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 83 MB | 155 MB |
| Requires iOS | **13.0** | 15.5 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [PT. PINTAR INOVASI DIGITAL](https://appshunter.io/developer/1703530449) | [PT. Pos Indonesia (Persero)](https://appshunter.io/developer/1542001623) |

## What reviewers say

### AsetKu

[App page](https://appshunter.io/ios/app/asetku-digital-lending/id1300452602)

This platform offers secure, digital lending services with flexible loan options and transparent costs. It provides a user-friendly experience for borrowing money anytime, anywhere, without requiring collateral. All operations are licensed and supervised by OJK.

**Highlights:** Collateral-free loans, Flexible loan amounts (Rp 150,000 - Rp 15,000,000), Repayment terms (91-365 days), Transparent interest rates (max 0.3% daily), 100% digital verification, Fast loan disbursement, ISO 27001 & 27701 certified

**Features:** macOS Compatibility

**In-app purchases:** none


### POSPAY

[App page](https://appshunter.io/ios/app/pospay/id1542001621)

This app provides mobile access to financial services and transactions for Giropos account holders. It allows for bill payments, money transfers, financial management, and QR code payments.  It extends the reach of PT Pos Indonesia's extensive service network.

**Highlights:** Bill payment for utilities, installments, and more, Instant money transfers via Weselpos Instan, Giropos account management, QR code scanning for merchant payments, Financial planning tools

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is AsetKu free?

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

### Is POSPAY free?

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

### Which has better reviews, AsetKu or POSPAY?

AsetKu is rated higher. AsetKu averages 4.5 out of 5 from 27 ratings, while POSPAY averages 1.7 from 11 ratings.

### Do AsetKu or POSPAY have ads?

POSPAY shows ads; AsetKu does not.

### Which is updated more often, AsetKu or POSPAY?

AsetKu ships an update every 2 months, and POSPAY every 6 weeks. Most recently, AsetKu was updated on October 16, 2026 and POSPAY on October 15, 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.*