APS Iraq vs zaky
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
APS Iraq
This mobile application provides APS cardholders with a secure and flexible way to access their card information, check balances, and view transactions. It is built with modern technology for a smooth and user-friendly financial management experience.
- Check card information
- View account balance
- Review transaction history
- Secure access
- User-friendly interface
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Arab Payment Services Our mobile application offers APS cardholders a flexible and secure method to check their card information, balance and transactions among many other services, anytime anywhere. Made using the latest technologies in developing financial mobile applications that provide a seamless, interactive and user-friendly experience.
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
APS Iraq and zaky both sit at 3.9 stars, but that hides the real split: 61% of zaky's written reviews are positive against 30% of APS Iraq's. zaky also leads on iOS requirement (15.6 vs 17.0). APS Iraq's advantage is ratings volume (325 vs 46). On price, rating, update cadence and ads 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.
On the App Store both sit at effectively the same score — 3.9 for APS Iraq against 3.9 for zaky. That said, the two scores are not equally well evidenced: APS Iraq has 325 ratings behind it against 46, so its average is the more settled of the two. Written reviews are what separate them: 30% of APS Iraq's written reviews are positive against 61% of zaky's.
APS Iraq ships an update every 10 days, zaky fortnightly. Both last shipped on October 29, 2026.
| Parameter | APS Iraq | zaky |
|---|---|---|
| Price | Free | Free |
| Rating | 3.9 (325 ratings) | 3.9 (46 ratings) — better |
| Positive reviews | 30.0% of reviews | 61.1% of reviews — better |
| Number of ratings | 325 — better | 46 |
| Update frequency | Every 10 days — better | Fortnightly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 17.0 | 15.6 — better |
| Further details — not scored | ||
| Size | 193 MB | 133 MB |
| Age rating | 4+ | 4+ |
| Developer | Arab Payment Services | areeba SAL |
Customer experience
APS Iraq
zaky
Bugs and requests
APS Iraq
Reported bugs
24 issues- App not working abroad
- Cannot detect payments from client
- Cannot know remaining debts
- App does not allow registration as user
- App refuses payment of dues
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- App does not support Visa card payments
- Cannot know total paid amount for loan
- App and card are full of errors
- App is primitive
- Failed service
- Failed app, disable NFC
- New card not working
- No credibility in dealing, cannot deposit or withdraw
- Problem scanning national ID back code
- Problem after registering information
- Cannot have more than one card
- Poor service
- App is basic, needs work
- App not loading outside Iraq
- Does not open in the US
- Does not support payment from Visa card
- Cannot check balance or transaction history abroad
- App crashes after new update
- App not loading anything outside Iraq
Requested features
10 requests- Support for TBI bank cards
- Support for Development Bank cards
- Add more card support
- Remove restriction of one card per user
- Allow registration as a user
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- Fix app to work abroad
- Fix NFC technology
- Fix scanning national ID back code
- Allow saving a copy for the borrower upon payment
- Support Visa card payments
zaky
Not enough reviews yet to summarise bugs or requests.
In-app purchases
APS Iraq
No in-app purchases
zaky
No in-app purchases
