Cihan Bank vs zaky
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Cihan Bank
Manage your Islamic investments and finances with enhanced security and performance. Features include biometric authentication, OTP verification for transactions, and flexible beneficiary account management.
- Biometric authentication
- One-time password (OTP) for transactions
- Beneficiary account management
- Credentials reset flexibility
- Standing order transactions
- Transactions by calendar
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Cihan Bank – Islamic Investment And Finance P.S.C. An upgraded version with modern design and various features and services to help you through your experience in CIHAN bank with higher agility, security and performance. This would include but not limited to: Biometrics Authentication. One Time Password OTP for Financial Transactions. Beneficiary Accounts Management. Credentials Reset Flexibility. Standing Order Transaction. Transactions by Calendar.
zaky
This app simplifies financial transactions with features like money transfers, mobile recharges, and bill payments. It also offers gaming and app e-vouchers, eSIM services, and a prepaid card with control features in select regions.
- Send and receive money via mobile number
- Purchase gaming and app e-vouchers
- Local and international mobile recharge
- Utility bill payments
- eSIM services
- Prepaid Visa card with control features
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Zaky is the ultimate mobile payment app designed to streamline your financial transactions while adding a touch of innovation. Combining security and convenience, Zaky enables you to make the most of your smartphone for all your financial needs. Download now and explore zaky's incredible features. Features* include: 1. Send & Receive Money: Effortlessly transfer funds to friends and family using just a mobile number, making payments and receiving funds a breeze. Receive money from a zaky user or using a generated payment link with few clicks 2. Gaming & App e-Vouchers: Purchase e-vouchers for your favorite gaming, shopping, and entertainment apps, such as iTunes, PlayStation, Xbox, Amazon, Netflix, and more. 3. Local & International Mobile Recharge: Easily recharge your prepaid mobile or any international prepaid line, supporting numerous operators such as Vodafone, MTN, STC, and Orange. 4. Bill Payments: Settle your utility bills conveniently and securely through the Zaky app. 5. eSIM Services: Enjoy instant access to international cellular data eSIM services within the app. 6. Zaky Card : Benefit from a Visa prepaid card, accepted by millions of merchants locally and globally. 7. Card Control : Take charge of your Zaky card with features like balance inquiry, e-pin, lock/unlock, and transaction history. 8. Cash Rewards Management : Redeem your cash rewards program as desired, right from the app. For full details on services in your market, visit: zaky.com Iraq: Phone: 009647713847517 or hotline 6252 | Email: wecare@areeba.iq
Screenshots
Verdict
The clearest difference is review sentiment: zaky at 61% against Cihan Bank's 16%. zaky also leads on rating (3.9 vs 3.6). Cihan Bank's advantage is ratings volume (283 vs 46). On price, update cadence, ads and in-app purchases 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.
zaky holds the better App Store score, 3.9 against 3.6. That said, the two scores are not equally well evidenced: Cihan Bank has 283 ratings behind it against 46, so its average is the more settled of the two. Written reviews point the same way: 16% of Cihan Bank's written reviews are positive against 61% of zaky's.
Cihan Bank ships an update every 3 weeks, zaky fortnightly. The most recent releases landed on November 7, 2026 and November 3, 2026 respectively.
| Parameter | Cihan Bank | zaky |
|---|---|---|
| Price | Free | Free |
| Rating | 3.6 (283 ratings) | 3.9 (46 ratings) — better |
| Positive reviews | 16.3% of reviews | 61.1% of reviews — better |
| Number of ratings | 283 — better | 46 |
| Update frequency | Every 3 weeks | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.0 — better | 15.6 |
| Further details — not scored | ||
| Size | 271 MB | 133 MB |
| Age rating | 4+ | 4+ |
| Developer | Cihan Bank For Islamic Investment and Finance P.S.C. | areeba SAL |
Customer experience
Cihan Bank
zaky
In-app purchases
Cihan Bank
No in-app purchases
zaky
No in-app purchases
