Pay+ vs Simple Expenses
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Pay+
Send money internationally and locally with zero transaction fees. Supports bank transfers, cash pickup, and wallet-to-wallet transfers. Easily pay bills and recharge mobile plans.
- International money remittance
- Zero transaction fees
- Multiple payment modes
- Local money transfers
- Mobile recharge and bill payment
- QR code payments
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Pay+ introduces a new international remittance service in partnership with moneygram You can now send money to over 40 destinations worldwide, quickly and securely, and with ZERO transcation fees Send money to over 40 destinations, using 3 different modes of payment 1. Bank Account Transfer 2. Cash pickup (at local moneygram agent ) 3. Wallet to wallet transfer We strive to bring you the best experience Pay+ , your mobile your wallet Easy Registration & Use Register through the app through few simple steps Your mobile wallet is immediately ready for use. Add money to your wallet online using any local bank’s debit card or through Ooredoo stores, free of charge. Scan & Pay Scan QR codes at nearby stores/shops for simple and quick payments. Service is accepted at most restaurants, cafes, petrol stations, etc. Instant Foreign Money Transfer Send money any time to any bank in India from your Pay+ wallet The beneficiary gets the money instantly Local Money Transfer Send money instantly to other Pay+ wallets or any other wallet in Oman. Send money instantly to anyone in Oman using his/her Mobile number, Alias or QR Code Transfer money to any bank account in Oman Mobile Recharge and Bill Payment Instant recharge and postpaid bill payment for telecom operators in Oman: Ooredoo, Omantel and FRiENDi
Simple Expenses
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Simple Expenses opens on a keypad. Type the amount, tap a category, save. That is the whole app. No account. No sign-in. Nothing you record is ever sent anywhere — and it still survives a new phone, because you can back it up to your own iCloud Drive. RECORD IN SECONDS • The keypad is the first screen — no menu to open, no form to fill in • The category you used last is already selected, so the usual case is one tap fewer • Add a note or back-date an entry from the two chips above the keypad • Home screen quick actions jump straight to Add expense or Add income A MONTH THAT MATCHES YOUR PAYDAY • Close the cycle yourself on the day you are paid, whenever that falls • Whatever is left over is carried into the new cycle for you — and you can type a different figure if the app has drifted from the cash you actually have • Forget to close one and it closes itself at the end of the month, so nothing runs on forever • Every closed cycle keeps its own totals to step back to SEE WHERE IT WENT • Entries are grouped by day, each day carrying its own total • Swipe to delete, with five seconds to undo if you did not mean it • The cycle summary ranks every category and shows its share of the total • Step back through earlier cycles from either screen BACKED UP, NOT LOST • Turn on automatic backups and pick a folder in iCloud Drive: a fresh copy is written every time you leave the app, and the last seven days are kept • Save a backup file by hand wherever you like, and restore it in a few taps on a new phone • No account and no server of ours — the file lives where you put it LOCK WITH FACE ID • Turn it on in Settings: the app asks every time it opens, and hides your figures in the app switcher • Your phone's passcode always works if your face is not recognised MAKE IT YOURS • Create, rename, reorder and hide categories, each with its own emoji and colour • Hiding a category keeps it off the keypad without touching entries you already recorded • Pick your currency from the full ISO list — amounts are written the way your country writes them: no decimals for yen, won or dong, and the symbol where it belongs (€12,50 or 12,50 €) • In 12 languages: English, Thai, Japanese, Korean, Chinese (Simplified and Traditional), Vietnamese, Indonesian, Spanish, Portuguese, German and French • Light, dark, or follow the device PRIVATE BY DESIGN There is no network code in this app at all — no analytics, no advertising, no tracking, no third-party SDKs. Your entries live in a database on your device. The only permission the app can ask for is Face ID, and only once you turn the lock on yourself. A backup is a file you choose to keep. The app sends it nowhere; if you keep it in iCloud Drive, iCloud Drive is what carries it, not the app.
Screenshots
Verdict
The clearest difference is price: Pay+ at Free against Simple Expenses's $0.99. Pay+ also leads on iOS requirement (15.6 vs 17.0). Simple Expenses's advantage is update cadence (every 3 days vs every 3 months). On ads, in-app purchases and device support 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
Pay+ is free to download; Simple Expenses costs $0.99 up front. Neither carries in-app purchases, so what you see is what you pay.
Pay+ ships an update every 3 months, Simple Expenses every 3 days. The most recent releases landed on October 10, 2026 and October 25, 2026 respectively.
| Parameter | Pay+ | Simple Expenses |
|---|---|---|
| Price | Free — better | $0.99 |
| Rating | 2.8 (20 ratings) — better | — |
| Positive reviews | 11.1% of reviews | — |
| Number of ratings | 20 — better | — |
| Update frequency | Every 3 months | Every 3 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 15.6 — better | 17.0 |
| Further details — not scored | ||
| Size | 135 MB | 3 MB |
| Age rating | 4+ | 4+ |
| Developer | National Bank of Oman SAOG | Thirawat Tatatmi |
In-app purchases
Pay+
No in-app purchases
Simple Expenses
No in-app purchases









