# Kuda vs Simrapay

The clearest difference is in-app purchases: Kuda at none against Simrapay's 2. On price, update cadence, ads and device support there is nothing between them.

Both are free to download. Simrapay sells 2 one-off in-app purchases. Kuda asks for nothing beyond the download.

Kuda ships an update every 2 weeks, Simrapay fortnightly. The most recent releases landed on November 13, 2026 and November 10, 2026 respectively.

## The numbers

| Metric | Kuda | Simrapay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (130K ratings)](https://appshunter.io/ios/app/kuda-free-transfer-and-payment/id1467373738/reviews)** | — |
| Number of ratings | **130K** | — |
| Positive reviews | 44.2% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Fortnightly |
| Monetization | Free | — |
| Size | 572 MB | 44 MB |
| Requires iOS | 16.0 | **15.1** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Kuda Technologies Limited](https://appshunter.io/developer/1608333924) | [PMELAB TECHNOLOGY LIMITED](https://appshunter.io/developer/6795495202) |

## What reviewers say

### Kuda

[App page](https://appshunter.io/ios/app/kuda-free-transfer-and-payment/id1467373738)

Manage your finances with a digital bank that offers free transfers, savings tools, and investment opportunities. Open an account in minutes, pay bills, and enjoy secure payment options. Earn rewards and access premium features for enhanced financial management.

**Highlights:** Free money transfers, Automatic savings, US stock investments, Bill payments, Secure payment options, Debit and credit alerts, Premium rewards

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

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to Use
- 👍 Ease of use
- 🚀 Exceptional Service
- 🚀 Smooth Banking
- 🚀 Flexible and Accessible

**What reviewers complain about**

- 🐛 Locking Users Out Through Forced Updates
- 🐛 Face ID Not Working
- 🐛 Debit But Not Credited
- 🐛 Frustrating
- 🐛 Poor/No Customer Service

**Reported bugs**

- App Crashing After Update
- Slow Address Verification
- Transaction Not Reflecting
- Forced Logout After Update
- Account Balance Going to Zero

**Requested features**

- Add Scan to Pay Method
- Allow Changing ATM PIN Ourselves


### Simrapay

[App page](https://appshunter.io/ios/app/simrapay/id6795494971)

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Youtube monetization course | $3.99 | one-time |
| Simrapay | $4.99 | one-time |


## Frequently asked questions

### Is Kuda free?

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

### Is Simrapay free?

Simrapay is free to download, with in-app purchases available.

### Do Kuda or Simrapay have ads?

Neither Kuda nor Simrapay shows ads.

### Which is updated more often, Kuda or Simrapay?

Kuda ships an update every 2 weeks, and Simrapay fortnightly. Most recently, Kuda was updated on November 13, 2026 and Simrapay on November 10, 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.*