# PagaCel vs Klu

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.

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.

## The numbers

| Metric | PagaCel | Klu |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (83 ratings)](https://appshunter.io/ios/app/pagacel/id1441396033/reviews)** | [3.7 (3 ratings)](https://appshunter.io/ios/app/klu/id1562044639/reviews) |
| Number of ratings | **83** | 3 |
| Positive reviews | **93.8% of reviews** | 33.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 5 weeks |
| Monetization | Free | Free |
| Size | 272 MB | 90 MB |
| Requires iOS | 17.6 | **17** |
| Devices | iPhone | iPhone |
| Age rating | 17+ | 4+ |
| Developer | [PAGAPHONE SMARTPAY SA DE CV](https://appshunter.io/developer/1441396032) | [Klu Tech, S.A.P.I. de C.V.](https://appshunter.io/developer/1562044641) |

## What reviewers say

### PagaCel

[App page](https://appshunter.io/ios/app/pagacel/id1441396033)

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.

**Highlights:** 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

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

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast money transfers
- 👍 Easy to use interface
- 🔒 Secure transactions
- 💰 Low fees/commission
- 💳 Card works everywhere

**What reviewers complain about**

- 🐛 Cannot upload INE
- 👎 System is bad
- 💸 Charges for transfers
- ⏳ Slow process
- 🤷‍♀️ Unclear how to use

**Reported bugs**

- Cannot upload INE
- App crashes
- Verification code not received

**Requested features**

- Improve app speed
- More clarity on sending money from EU to Mexico


### Klu

[App page](https://appshunter.io/ios/app/klu/id1562044639)

Open a bank account in under three minutes from anywhere, anytime. Skip the traditional banking hassle and long queues for a seamless digital experience.

**Highlights:** Instant account opening, Remote account setup, 24/7 accessibility, No physical branch visits, Digital financial management

**In-app purchases:** none


## Frequently asked questions

### Is PagaCel free?

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

### Is Klu free?

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

### Which has better reviews, PagaCel or Klu?

PagaCel is rated higher. PagaCel averages 4.7 out of 5 from 83 ratings, while Klu averages 3.7 from 3 ratings.

### Do PagaCel or Klu have ads?

Neither PagaCel nor Klu shows ads.

### Which is updated more often, PagaCel or Klu?

PagaCel ships an update fortnightly, and Klu every 5 weeks. Most recently, PagaCel was updated on November 2, 2026 and Klu on November 3, 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.*