Comparison

AYA PAY Wallet vs Expensense

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

AYA PAY Wallet

This app simplifies everyday payments and money transfers. Easily top up mobile phones, cash in and out at agents or ATMs, and transfer funds to other wallets or unlinked accounts. It also facilitates bill payments and merchant transactions via QR codes.

Highlights
  • Mobile top-up for 5 networks
  • Cash in/out at agents and ATMs
  • Wallet to Wallet transfers
  • Bill payments
  • QR code payments
  • Transaction history
Features
Read full description

Subscriber App is an app of AYAPAY system that is designed to bring convenience payments and money transfers into your everyday life With the Subscriber App, you can: - Top up your mobile phone with 5 networks: MPT, Mytel, Ooredoo, Telenor, Mipec - Cash in your Wallet at Agents or by verified AYA bank account - Cash-out money at Agents or at ATMs - Simply transfer money to Wallets, to Unwallet by OTP/NRIC or request transfer to receive money - Easily bills payment at any time with 2 billers: Ananda, Canal+ - Quickly payment in Merchant stores by scanning QR code or accepting the payment request - Conveniently move money between Agent's Wallet and linked AYA bank account - Transaction management: review wallet balance, all transactions history over time and receive transaction notifications

About

Expensense

Effortlessly track your income and expenses to achieve financial success. This app offers simple tools for budgeting, managing accounts, and understanding where your money goes, helping you save and reach your financial goals.

Highlights
  • Expense tracking
  • Income tracking
  • Budget creation
  • Account management
  • Offline functionality
  • FaceID security
  • iCloud backup
Features
Read full description

Expensense - effortless expense and income tracking for your financial success! Our app provides simple tools for effective financial management. Track your finances, create budgets, and achieve your financial goals with ease. It will help answer questions like: Where does the money go? What expenses do we have, and how can we save? Start managing your personal finances with our application. We help to make this process convenient for you. Application features: - Works without internet connection - Expense tracking - Income tracking - Adding and managing accounts - Balance adjustment on the account - Expense category management - Income category management - Expense category statistics - Income category statistics - Overall statistics for specific periods - App language selection - FaceID security - iCloud backup The app offers an auto-renewing Premium Subscription. Payment will be charged to iTunes Account at confirmation of purchase. Subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current period. Account will be charged for renewal within 24-hours prior to the end of the current period, and identify the cost of the renewal. Subscriptions may be managed by the user and auto-renewal may be turned off by going to the user's Account Settings after purchase. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula Privacy Policy: https://app.websitepolicies.com/policies/view/sqwryhrm If you have any suggestions, write to us: expensense.app@gmail.com Download the app and start using it right now!

Screenshots

AYA PAY Wallet4 screens
Expensense4 screens

Verdict

The call

The clearest difference is rating: Expensense at 5.0 against AYA PAY Wallet's 4.3. Expensense also leads on update cadence (every 4 days vs monthly). AYA PAY Wallet's advantage is in-app purchases (none vs 3) and ratings volume (516 vs 2). On price, ads, device support and iOS requirement 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Expensense sells 3 in-app purchases, starting at $2.99 per month. AYA PAY Wallet asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Expensense holds the better App Store score, 5.0 against 4.3. That said, the two scores are not equally well evidenced: AYA PAY Wallet has 516 ratings behind it against 2, so its average is the more settled of the two.

UpkeepUpdate frequency

AYA PAY Wallet ships an update monthly, Expensense every 4 days. The most recent releases landed on November 3, 2026 and November 4, 2026 respectively.

Scorecard5 real differences · 5 level
AYA PAY Wallet versus Expensense: the parameters behind the verdict, then further details
ParameterAYA PAY WalletExpensense
PriceFreeFree
Rating4.3 (516 ratings)5.0 (2 ratings) — better
Positive reviews51.8% of reviews—
Number of ratings516 — better2
Update frequencyMonthlyEvery 4 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFreemium
DevicesiPhone, iPod — betteriPhone
Requires iOS15.1 — better16.0
Further details — not scored
Size124 MB45 MB
Age rating4+4+
DeveloperAYA BankSultan Irkaliyev

Customer experience

AYA PAY Wallet

All ratings505 ratings
Positive81.4%
Neutral4.0%
Negative14.7%
Written reviews56 reviews
Positive51.8%
Neutral3.6%
Negative44.6%

Expensense

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

AYA PAY Wallet

Reported bugs

13 issues
  • App crashes after updating v3.3.4
  • Cannot click anything in app after entering
  • Bank to wallet and wallet to bank transfers not working (blank screen)
  • Cash in from bank to wallet fails, money lost
  • App logs out and remaining balance shows 0
Show 8 more
  • Unable to load software after update
  • App won't start if notifications are disabled
  • Cannot touch register button on iPhone X UI
  • Travel and Shopping features not available
  • Cannot add Aya account
  • NRC selection field missing options for KYC upgrade
  • App itself logs out while using other functions
  • No lock to open app

Requested features

3 requests
  • Add more options to level up account (e.g., Student ID)
  • Allow choice for update alerts (later or update)
  • Add Travel and Shopping features

Expensense

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

AYA PAY Wallet

No in-app purchases

3 purchases

Expensense

Subscriptions2
  • Monthly premium access$2.991 Month
  • Yearly premium access$12.991 Year
One-time1
  • Premium - Lifetime$24.99

Questions

Is AYA PAY Wallet free?
AYA PAY Wallet is free to download, with no in-app purchases.
Is Expensense free?
Expensense is free to download, with in-app purchases available.
Which has better reviews, AYA PAY Wallet or Expensense?
Expensense is rated higher. AYA PAY Wallet averages 4.3 out of 5 from 516 ratings, while Expensense averages 5.0 from 2 ratings.
Do AYA PAY Wallet or Expensense have ads?
Neither AYA PAY Wallet nor Expensense shows ads.
Which is updated more often, AYA PAY Wallet or Expensense?
AYA PAY Wallet ships an update monthly, and Expensense every 4 days. Most recently, AYA PAY Wallet was updated on November 3, 2026 and Expensense on November 4, 2026.

Other comparisons