# Paga vs Cardex

The clearest difference is ads: Paga at none against Cardex's shown. On price, update cadence, in-app purchases and device support there is nothing between them.

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

Both ship on a similar rhythm, roughly every 2 weeks. The most recent releases landed on October 29, 2026 and October 23, 2026 respectively.

## The numbers

| Metric | Paga | Cardex |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.1 (1.4K ratings)](https://appshunter.io/ios/app/paga-send-pay-and-bank/id1362357426/reviews)** | — |
| Number of ratings | **1.4K** | — |
| Positive reviews | 57.5% of reviews | — |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 2 weeks | Every 2 weeks |
| Monetization | Free with in-app purchases | — |
| Size | 193 MB | 60 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Paga Group LTD (UK)](https://appshunter.io/developer/1744127996) | [FINTAVA TECHNOLOGY LIMITED](https://appshunter.io/developer/1755025082) |

## What reviewers say

### Paga

[App page](https://appshunter.io/ios/app/paga-send-pay-and-bank/id1362357426)

Manage US Dollar and Nigerian Naira accounts from one app. Send, pay, and receive money globally with competitive rates. Get physical and virtual Visa debit cards for seamless transactions.

**Highlights:** Open and manage US and Nigerian bank accounts, Send, pay, and receive across currencies, Physical and virtual Visa debit cards, Link to external financial apps, Global money transfers with competitive rates, Seamless PayPal integration for Nigerians

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and reliable
- 👍 User-friendly interface
- 💳 Seamless transactions
- 🔒 Secure platform

**What reviewers complain about**

- 🐛 Frequent crashes and bugs
- ⏱️ Slow transaction processing
- 💰 High service charges
- 🔒 Account restrictions and verification issues

**Reported bugs**

- Login issues
- Deduction of funds without transactions
- Inability to access account after updates
- Delayed or failed transactions

**Requested features**

- Improved customer support
- Faster fund transfer and withdrawal
- Virtual card options
- Loyalty/reward program


### Cardex

[App page](https://appshunter.io/ios/app/cardex/id6615080310)

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

**In-app purchases:** none


## Frequently asked questions

### Is Paga free?

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

### Is Cardex free?

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

### Do Paga or Cardex have ads?

Cardex shows ads; Paga does not.

### Which is updated more often, Paga or Cardex?

Paga ships an update every 2 weeks, and Cardex every 2 weeks. Most recently, Paga was updated on October 29, 2026 and Cardex on October 23, 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.*