# Paynet vs xazna

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.

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.

## The numbers

| Metric | Paynet | xazna |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (195 ratings)](https://appshunter.io/ios/app/paynet/id1307888692/reviews)** | [3.9 (63 ratings)](https://appshunter.io/ios/app/xazna/id1642489915/reviews) |
| Number of ratings | **195** | 63 |
| Positive reviews | **42.5% of reviews** | 30.8% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Fortnightly** |
| Monetization | Free | Free |
| Size | 201 MB | 333 MB |
| Requires iOS | 15.5 | **15.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [JV Paynet LLC](https://appshunter.io/developer/1307888691) | [АT "Xalq Bank"](https://appshunter.io/developer/1255778154) |

## What reviewers say

### Paynet

[App page](https://appshunter.io/ios/app/paynet/id1307888692)

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.

**Highlights:** Card-to-card money transfers, Payments for over 1000 services, Check bank card balances, Track expenses via payment history, Top up balances

**Features:** macOS Compatibility

**In-app purchases:** none


### xazna

[App page](https://appshunter.io/ios/app/xazna/id1642489915)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Paynet free?

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

### Is xazna free?

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

### Which has better reviews, Paynet or xazna?

Paynet is rated higher. Paynet averages 4.6 out of 5 from 195 ratings, while xazna averages 3.9 from 63 ratings.

### Do Paynet or xazna have ads?

Neither Paynet nor xazna shows ads.

### Which is updated more often, Paynet or xazna?

Paynet ships an update every 2 weeks, and xazna fortnightly. Most recently, Paynet was updated on October 26, 2026 and xazna on October 27, 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.*