PagaCel vs Klu
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PagaCel
Receive money transfers from the US directly to your phone and withdraw cash from over 50,000 ATMs nationwide. Use your card for payments, pay bills, and top up phone credit with secure, low-fee transactions.
- Receive remittances from the US
- Withdraw cash from 50,000+ ATMs
- Pay with a Platinum PagaPhone card
- Pay bills and services
- Top up mobile phone credit
- Send money to family with low fees
- Advanced security with biometrics
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Antes de PagaPhone cobrar tus remesas y recibir tus envíos de dinero implicaba trasladarse, hacer fila, pagar transporte y finalmente, después de algunas horas, tener tu dinero. Con PagaPhone puedes retirar tu dinero que te envian de Estados Unidos en cualquiera de los más de 50,000 cajeros automáticos a nivel nacional. Hoy puedes recibir tu remesa y tus envios de dinero directamente en tu celular y usar tu tarjeta Platino PagaPhone para pagar en cualquier lugar donde acepten tarjeta. Con PagaPhone puedes: - Cobrar tus remesas que vienen de tu transmisor de dinero favorito de Estados Unidos - Re-envia tu dinero a tus familiares a sus cuentas PagaPhone en toda la republica mexicana y paga solo 1% de comision! - Pagar tus servicios como agua, luz, telefono, etc - Hacer recargas de tiempo aire a cualquier compañía como Telcel, Movistar y AT&T En PagaPhone tu seguridad es primero es por eso que contamos con uno de los procesos de seguridad más avanzados en el mercado que incluye el uso de biométricos y aprobación con dos factores de seguridad.
Klu
Open a bank account in under three minutes from anywhere, anytime. Skip the traditional banking hassle and long queues for a seamless digital experience.
- Instant account opening
- Remote account setup
- 24/7 accessibility
- No physical branch visits
- Digital financial management
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¡Olvídate de los Bancos y de las filas largas! Abre una cuenta en Klu en menos de tres minutos desde la comodidad de tu casa, oficina, o playa, sin importar si es lunes a las 8 de la noche o domingo a las 3 de la madrugada.
Screenshots
Verdict
The clearest difference is review sentiment: PagaCel at 94% against Klu's 33%. PagaCel also leads on rating (4.7 vs 3.7) and ratings volume (83 vs 3). On price, ads, in-app purchases and monetization model 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.
PagaCel holds the better App Store score, 4.7 against 3.7. That said, the two scores are not equally well evidenced: PagaCel has 83 ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 94% of PagaCel's written reviews are positive against 33% of Klu's.
PagaCel ships an update fortnightly, Klu every 5 weeks. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.
| Parameter | PagaCel | Klu |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (83 ratings) — better | 3.7 (3 ratings) |
| Positive reviews | 93.8% of reviews — better | 33.3% of reviews |
| Number of ratings | 83 — better | 3 |
| Update frequency | Fortnightly — better | Every 5 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone | iPhone |
| Requires iOS | 17.6 | 17 — better |
| Further details — not scored | ||
| Size | 272 MB | 90 MB |
| Age rating | 17+ | 4+ |
| Developer | PAGAPHONE SMARTPAY SA DE CV | Klu Tech, S.A.P.I. de C.V. |
Customer experience
PagaCel
Klu
Bugs and requests
PagaCel
Reported bugs
3 issues- Cannot upload INE
- App crashes
- Verification code not received
Requested features
2 requests- Improve app speed
- More clarity on sending money from EU to Mexico
Klu
Not enough reviews yet to summarise bugs or requests.
In-app purchases
PagaCel
No in-app purchases
Klu
No in-app purchases
