Finja vs JS Mobile
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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
JS Mobile
Manage your bank account instantly from your device. Access account information, transfer funds securely, and pay bills on the go. Easily locate nearby branches and ATMs for convenient banking.
- Instant account access
- View account balance and statements
- Fund transfers
- Utility bill payments
- Branch and ATM locator
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Introducing JS Mobile – A step into the future of banking! Access your JS Bank account instantly, make payments on-the-go and transfer funds to anyone safely and securely with your device. It’s fast. It’s smooth. It’s simple. Mobile banking has never been easier. Salient Features: 1. Get access to your account information in simple steps. 2. View account balance, account statement, and transaction details for all your accounts. 3. Make instant Fund Transfers to JS Bank and other IBFT enabled Bank customers. 4. Pay your utility bills on-the-go. 5. Locate your nearest JS Bank branches and ATMs. Download Now! For further assistance, you can reach out to our helpline at (+92) 021/051-111-654-321.
Screenshots
Verdict
The clearest difference is rating: JS Mobile at 4.7 against Finja's 2.3. JS Mobile also leads on ratings volume (249 vs 3). Finja's advantage is iOS requirement (13.0 vs 15.0). 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.
JS Mobile holds the better App Store score, 4.7 against 2.3. That said, the two scores are not equally well evidenced: JS Mobile has 249 ratings behind it against 3, so its average is the more settled of the two.
Finja ships an update every 3 weeks, JS Mobile every 6 weeks. The most recent releases landed on August 12, 2026 and September 23, 2026 respectively.
| Parameter | Finja | JS Mobile |
|---|---|---|
| Price | Free | Free |
| Rating | 2.3 (3 ratings) | 4.7 (249 ratings) — better |
| Positive reviews | — | 34.8% of reviews |
| Number of ratings | 3 | 249 — better |
| Update frequency | Every 3 weeks — better | Every 6 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 58 MB | 296 MB |
| Age rating | 4+ | 4+ |
| Developer | OPay Digital Services Pte.Ltd. | JS Bank Limited |
Customer experience
Finja
JS Mobile
In-app purchases
Finja
No in-app purchases
JS Mobile
No in-app purchases









