Comparison

Finja vs iBPS

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Finja

A comprehensive digital wallet and financial solution for individuals, merchants, and small businesses. It facilitates payments, offers credit lines, and provides tools for managing employee work chores and HR tasks.

Highlights
  • Apply for FINJA Card with credit line
  • Receive salaries and apply for instant loans
  • Make payments and QR code transactions
  • Pay utility bills and recharge networks
  • Manage employee leaves, attendance, and expenses
  • Secure login with PIN and biometrics
Features
Read full description

Apply for FINJA Card backed with Credit Line Finja App is a one stop financial solution for individuals, merchants and small businesses that addresses everyday payment and credit needs. Finja is an authorised electronic money institution regulated by the State Bank of Pakistan. Finja App makes it incredibly easy for employees of businesses to receive salaries in their Finja account and Apply for instant loans from Finja partner institutions Make payments to friends and family anytime, anywhere Add money to your wallet by simply submitting a request for Cash-In at doorstep You can add money by visiting nearby agents or any Internet Banking facility Pay your Utility bills and Recharge your network within few clicks Save your recipients in Quick Pay for performing future transactions in less clicks Make QR payments with the built in QR scanner Shop online from hundreds of merchants Remotely manage work chores like: An employee can apply for leaves An employee can extract salary slips An employee can view their attendance An HR/Line Manager can approve leaves An HR/Line Manager can view employee’s attendance An HR can approve expenses An HR can process salaries Set a secure Login PIN or simply add bio metric authentication Keep a record of your account’s activity in the Activity Feed Real-time notifications whenever you send or receive funds Download now and sign up using your mobile phone number and CNIC! What’s new? Bio metric Login Wallet to Wallet transfer Bank Transfer QR Payments Recharge Network Pay Utility Bills

About

iBPS

Features
Read full description

iBPS Mobile suite extends its entire range of BPM capabilities on mobile platform, enabling seamless collaboration between the system and the process stakeholders. It provides business users with anytime anywhere access to critical processes and workflows on mobile devices, improving their responsiveness and performance. iBPS Mobile suite is not just a mobile application catering to a specific business function. It mobilizes your entire process framework and empowers you to view, prioritize, manage, perform and monitor critical tasks by communicating on a real-time basis with the central processing system. * View and complete tasks right from your iOS device * Launch New Processes Instances Remotely * Attach Documents This application requires the end user to connect to a Live iBPS Server.

Screenshots

Finja4 screens
iBPS3 screens

Verdict

The call

The clearest difference is ads: Finja at none against iBPS's shown. Finja also leads on update cadence (every 3 weeks vs every 2 months). On price, in-app purchases, device support and iOS requirement 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Finja ships an update every 3 weeks, iBPS every 2 months. The most recent releases landed on August 12, 2026 and September 22, 2026 respectively.

Scorecard2 real differences · 7 level
Finja versus iBPS: the parameters behind the verdict, then further details
ParameterFinjaiBPS
PriceFreeFree
Rating2.3 (3 ratings) — better—
Number of ratings3 — better—
Update frequencyEvery 3 weeks — betterEvery 2 months
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS13.012.0 — better
Further details — not scored
Size58 MB20 MB
Age rating4+4+
DeveloperOPay Digital Services Pte.Ltd.United Bank For Africa Plc

In-app purchases

None

Finja

No in-app purchases

None

iBPS

No in-app purchases

Questions

Is Finja free?
Finja is free to download, with no in-app purchases.
Is iBPS free?
iBPS is free to download, with no in-app purchases.
Do Finja or iBPS have ads?
iBPS shows ads; Finja does not.
Which is updated more often, Finja or iBPS?
Finja ships an update every 3 weeks, and iBPS every 2 months. Most recently, Finja was updated on August 12, 2026 and iBPS on September 22, 2026.

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