Paynet vs xazna
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Paynet
This app allows users to top up balances, make payments, transfer funds, and store money. It supports card-to-card transfers, payments for over 1000 services, checking bank card balances, and tracking expenses through payment history.
- Card-to-card money transfers
- Payments for over 1000 services
- Check bank card balances
- Track expenses via payment history
- Top up balances
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Paynet — bu faqat to‘lovlar emas, shu bilan birga sizning ishonchli yordamchingiz. Tezkor o‘tkazmalar, kommunal xizmatlar uchun qulay to‘lovlar va 2 000 dan ortiq xizmat turlari – hammasi sizning hamyoningizda! — Pul o‘tkazmalari va to‘lovlar bir necha marta bosish orqali Endi moddiy ko‘rinishdagi kartani uyda qoldirishingiz mumkin! Kartangizdagi pulni HUMO va Uzcard kartalariga karta yoki telefon raqami orqali o‘tkazing. — Keshbek va bonuslar Paynet orqali xizmatlar uchun to‘lovlarga 5% gacha keshbek oling. Birinchi to‘lov uchun esa yoqimli bonus - 10% keshbek — Kommunal va boshqa turdagi xizmatlar uchun to‘lovlar Elektr energiyasi, suv, internet va hokazo – endi barcha xarajatlaringizga to‘lovni bir-ikki marta bosish orqali amalga oshirishingiz mumkin. 2000 dan ortiq xizmatlar smartfoningizda! — Moliya manbalarini boshqarish HUMO va Uzcard kartalarining balansini ilovaning o‘zidan tekshiring. To‘lovlar va o‘tkazmalar tarixi qo‘l ostingizda – xarajatlarni nazorat qilish yanada oson bo‘ldi. Nimaga Paynetni tanlashyapti? — O‘zbekistonda 20 milliondan ortiq foydalanuvchilar. — Oson va ishonchlilik. — Kun-u tun qo‘llab-quvvatlash tizimi va oson tushunadigan interfeys. Paynet — bu kundalik to‘lov va o‘tkazmalaringiz uchun eng kerakli yechim: tez, qulay va xavfsiz! Bog'lanish uchun:+998 (71) 202 07 07 info@paynet.uz Facebook: https://www.facebook.com/paynetuz.uz Telegram: @Paynetuz_official Instagram: @Paynet.uzb
xazna
Manage your finances, control accounts and cards, pay for services, and make transfers securely. Access government services without digital signatures and get information on banking services and loans.
- Financial control and expense tracking
- Government service access without digital signature
- Banking service information
- Loan management and early repayment
- Service payments (mobile, utilities, taxes)
- QR code payments
- Card and phone number transfers
- Currency exchange
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С xazna вы можете легко и безопасно контролировать свои финансы, управлять счетами и картами, оплачивать любые услуги, совершать переводы и многое другое. Все Услуги - Контролируйте свои расходы и поступления, начисление социальных выплат. - Используйте xazna для получения государственных услуг без использование ЭЦП - Информация о банковских услуг: условия бесплатного обслуживания, комиссия за перевод и привилегии - Доступные действия по кредитам: частичное и полное досрочное погашение, просмотр графика платежей и основной информации по кредиту - Оплачивать мобильную связь, интернет, ЖКХ, телевидение, налоги, штрафы ГИБДД и многое другое - Оплачивайте услуги с помощью QR-кода - Пополняйте свои HUMO карты бесплатно с HUMO карт других банков - Перевод денег по номеру карты, номеру телефона - Обмен валюты по выгодному курсу Онлайн-регистрация новых продуктов и услуг - Текущие и сберегательные счета Мы продолжаем работать над развитием и улучшением приложения на основе ваших отзывов.
Screenshots
Verdict
The clearest difference is rating: Paynet at 4.6 against xazna's 3.9. Paynet also leads on review sentiment (43% vs 31%) and ratings volume (195 vs 63). On price, update cadence, ads and in-app purchases 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.
Paynet holds the better App Store score, 4.6 against 3.9. Both are backed by a comparable volume of ratings — 195 and 63 respectively. Written reviews point the same way: 43% of Paynet's written reviews are positive against 31% of xazna's.
Paynet ships an update every 2 weeks, xazna fortnightly. The most recent releases landed on October 26, 2026 and October 27, 2026 respectively.
| Parameter | Paynet | xazna |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (195 ratings) — better | 3.9 (63 ratings) |
| Positive reviews | 42.5% of reviews — better | 30.8% of reviews |
| Number of ratings | 195 — better | 63 |
| Update frequency | Every 2 weeks | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.5 | 15.0 — better |
| Further details — not scored | ||
| Size | 201 MB | 333 MB |
| Age rating | 4+ | 17+ |
| Developer | JV Paynet LLC | АT "Xalq Bank" |
Customer experience
Paynet
xazna
In-app purchases
Paynet
No in-app purchases
xazna
No in-app purchases
