# KEKS Pay vs LAQO

The clearest difference is ratings volume: KEKS Pay at 117 against LAQO's 8. KEKS Pay also leads on update cadence (every 2 weeks vs monthly). On price, rating, 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.

On the App Store both sit at effectively the same score — 4.8 for KEKS Pay against 4.9 for LAQO. That said, the two scores are not equally well evidenced: KEKS Pay has 117 ratings behind it against 8, so its average is the more settled of the two.

KEKS Pay ships an update every 2 weeks, LAQO monthly. The most recent releases landed on November 2, 2026 and November 11, 2026 respectively.

## The numbers

| Metric | KEKS Pay | LAQO |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (117 ratings)](https://appshunter.io/ios/app/keks-pay/id1434843784/reviews) | **[4.9 (8 ratings)](https://appshunter.io/ios/app/laqo/id1533078353/reviews)** |
| Number of ratings | **117** | 8 |
| Positive reviews | 50.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Monthly |
| Monetization | Free | Free |
| Size | 230 MB | 140 MB |
| Requires iOS | **15.6** | 16.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 12+ | 4+ |
| Developer | [Erste banka HR](https://appshunter.io/developer/781546804) | [Croatia osiguranje d.d.](https://appshunter.io/developer/1465721957) |

## What reviewers say

### KEKS Pay

[App page](https://appshunter.io/ios/app/keks-pay/id1434843784)

Send and receive money quickly and securely with this free app. Easily split costs with friends, request payments, and manage group expenses without any fees. It's a simple way to handle everyday transactions.

**Highlights:** Send and receive money, No transaction fees, Split expenses with groups, Request payments, Secure transactions, PIN and biometric protection

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

**In-app purchases:** none


### LAQO

[App page](https://appshunter.io/ios/app/laqo/id1533078353)

Manage all your insurance policies digitally, from vehicle to travel and pet insurance. Easily file claims, renew policies with a single click, and benefit from usage-based discounts. Participate in programs that reward responsible driving and secure your home against various damages.

**Highlights:** Digital policy management, Easy claim filing, One-click policy renewal, Usage-based discounts, Responsible driving rewards, Travel insurance, Pet insurance, Home insurance

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

**In-app purchases:** none


## Frequently asked questions

### Is KEKS Pay free?

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

### Is LAQO free?

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

### Which has better reviews, KEKS Pay or LAQO?

LAQO is rated higher. KEKS Pay averages 4.8 out of 5 from 117 ratings, while LAQO averages 4.9 from 8 ratings.

### Do KEKS Pay or LAQO have ads?

Neither KEKS Pay nor LAQO shows ads.

### Which is updated more often, KEKS Pay or LAQO?

KEKS Pay ships an update every 2 weeks, and LAQO monthly. Most recently, KEKS Pay was updated on November 2, 2026 and LAQO on November 11, 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.*