DigiSilk vs Finja
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
DigiSilk
Open a digital bank account in minutes with instant onboarding and a Visa debit card. Manage your finances with features like sending and receiving funds, bill payments, and purchasing e-vouchers and e-tickets.
- Instant account opening
- Visa debit card issuance
- Send/receive funds via IBFT
- QR bill and merchant payments
- e-Voucher and gift card purchase
- e-Ticket booking
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DigiSilk by Silkbank is a Digital Account which enables you to onboard and open your account within minutes. Download the DigiSilk app and open your account for instant and hassle-free digital banking experience. Unique Features: - Instant Account Opening & Visa Debit Card - Send & Receive Funds via IBFT from any bank in Pakistan - Pay Bills & Merchants via QR - e-Voucher & Gift Card Purchase - e-Tickets (Cinema, Travel, Events etc) - e-Commerce Purchases and much more....
Finja
A comprehensive digital wallet and financial solution for individuals, merchants, and small businesses. It facilitates payments, offers credit lines, and provides tools for managing employee work chores and HR tasks.
- Apply for FINJA Card with credit line
- Receive salaries and apply for instant loans
- Make payments and QR code transactions
- Pay utility bills and recharge networks
- Manage employee leaves, attendance, and expenses
- Secure login with PIN and biometrics
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Apply for FINJA Card backed with Credit Line Finja App is a one stop financial solution for individuals, merchants and small businesses that addresses everyday payment and credit needs. Finja is an authorised electronic money institution regulated by the State Bank of Pakistan. Finja App makes it incredibly easy for employees of businesses to receive salaries in their Finja account and Apply for instant loans from Finja partner institutions Make payments to friends and family anytime, anywhere Add money to your wallet by simply submitting a request for Cash-In at doorstep You can add money by visiting nearby agents or any Internet Banking facility Pay your Utility bills and Recharge your network within few clicks Save your recipients in Quick Pay for performing future transactions in less clicks Make QR payments with the built in QR scanner Shop online from hundreds of merchants Remotely manage work chores like: An employee can apply for leaves An employee can extract salary slips An employee can view their attendance An HR/Line Manager can approve leaves An HR/Line Manager can view employee’s attendance An HR can approve expenses An HR can process salaries Set a secure Login PIN or simply add bio metric authentication Keep a record of your account’s activity in the Activity Feed Real-time notifications whenever you send or receive funds Download now and sign up using your mobile phone number and CNIC! What’s new? Bio metric Login Wallet to Wallet transfer Bank Transfer QR Payments Recharge Network Pay Utility Bills
Screenshots
Verdict
The clearest difference is rating: Finja at 2.3 against DigiSilk's 1.0. DigiSilk's advantage is update cadence (every 10 days vs every 3 weeks) and iOS requirement (9.1 vs 13.0). On price, ratings volume, 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.
Finja holds the better App Store score, 2.3 against 1.0. Both are backed by a comparable volume of ratings — 4 and 3 respectively.
DigiSilk ships an update every 10 days, Finja every 3 weeks. The most recent releases landed on October 6, 2026 and October 9, 2026 respectively.
| Parameter | DigiSilk | Finja |
|---|---|---|
| Price | Free | Free |
| Rating | 1.0 (4 ratings) | 2.3 (3 ratings) — better |
| Positive reviews | 0.0% of reviews | — |
| Number of ratings | 4 — better | 3 |
| Update frequency | Every 10 days — better | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 9.1 — better | 13.0 |
| Further details — not scored | ||
| Size | 42 MB | 58 MB |
| Age rating | 4+ | 4+ |
| Developer | Silkbank Limited | OPay Digital Services Pte.Ltd. |
Customer experience
DigiSilk
Finja
In-app purchases
DigiSilk
No in-app purchases
Finja
No in-app purchases
