# APS Iraq vs zaky

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.

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.

## The numbers

| Metric | APS Iraq | zaky |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.9 (325 ratings)](https://appshunter.io/ios/app/aps-iraq/id1490241440/reviews) | **[3.9 (46 ratings)](https://appshunter.io/ios/app/zaky/id1516837775/reviews)** |
| Number of ratings | **325** | 46 |
| Positive reviews | 30.0% of reviews | **61.1% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 10 days** | Fortnightly |
| Monetization | Free | Free |
| Size | 193 MB | 133 MB |
| Requires iOS | 17.0 | **15.6** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Arab Payment Services](https://appshunter.io/developer/1490241439) | [areeba SAL](https://appshunter.io/developer/1516837774) |

## What reviewers say

### APS Iraq

[App page](https://appshunter.io/ios/app/aps-iraq/id1490241440)

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.

**Highlights:** Check card information, View account balance, Review transaction history, Secure access, User-friendly interface

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 App design is great
- 👍 Smooth compared to other Iraqi apps
- 👍 Very useful for tracking expenditure
- 👍 Useful for balance and transactions
- 👍 Perfect app

**What reviewers complain about**

- 🐛 App not working abroad (UK, US, Turkey)
- 🐛 Cannot detect payments from client
- 🐛 Cannot know remaining debts
- 🐛 App does not allow registration as user
- 🐛 App refuses payment of dues

**Reported bugs**

- 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

**Requested features**

- 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


### zaky

[App page](https://appshunter.io/ios/app/zaky/id1516837775)

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.

**Highlights:** 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

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is APS Iraq free?

APS Iraq is free to download, with no in-app purchases.

### Is zaky free?

zaky is free to download, with no in-app purchases.

### Which has better reviews, APS Iraq or zaky?

zaky is rated higher. APS Iraq averages 3.9 out of 5 from 325 ratings, while zaky averages 3.9 from 46 ratings.

### Do APS Iraq or zaky have ads?

Neither APS Iraq nor zaky shows ads.

### Which is updated more often, APS Iraq or zaky?

APS Iraq ships an update every 10 days, and zaky fortnightly. Most recently, APS Iraq was updated on October 29, 2026 and zaky on October 29, 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.*