# AYA PAY Wallet vs Expensense

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.

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.

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.

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.

## The numbers

| Metric | AYA PAY Wallet | Expensense |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.3 (516 ratings)](https://appshunter.io/ios/app/aya-pay-wallet/id1485836756/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/expensense-expense-tracker/id6475636833/reviews)** |
| Number of ratings | **516** | 2 |
| Positive reviews | 51.8% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Monthly | **Every 4 days** |
| Monetization | **Free** | Freemium |
| Size | 124 MB | 45 MB |
| Requires iOS | **15.1** | 16.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [AYA Bank](https://appshunter.io/developer/1356605410) | [Sultan Irkaliyev](https://appshunter.io/developer/1462834127) |

## What reviewers say

### AYA PAY Wallet

[App page](https://appshunter.io/ios/app/aya-pay-wallet/id1485836756)

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:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Fast transactions
- 🔒 Secure transactions
- 💎 Points for exchange
- 📱 User-friendly interface

**What reviewers complain about**

- 🐛 App crashes after update
- 🐛 App not working on iOS
- 🐛 Cannot click anything in app
- 🐛 Blank screen for transfers
- 🐛 Money gone but not received

**Reported bugs**

- 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

**Requested features**

- 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

[App page](https://appshunter.io/ios/app/expensense-expense-tracker/id6475636833)

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:** macOS Compatibility

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly premium access | $2.99 | per month |
| Yearly premium access | $12.99 | per year |
| Premium - Lifetime | $24.99 | one-time |


## Frequently asked 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.

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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.*