Comparison

Finja vs Mashreq Pakistan

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

Mashreq Pakistan

Manage your finances seamlessly and securely with this digital banking app. Open accounts instantly, earn competitive returns, and enjoy Shari'ah-compliant solutions. Transfer funds, pay bills, and access free ATM withdrawals across Pakistan.

Highlights
  • Instant digital account opening
  • Industry-leading returns on accounts
  • Shari'ah-compliant banking solutions
  • High daily transfer limits
  • Debit card application
  • 4,000+ biller payments
  • Free ATM withdrawals
  • 24/7 customer support
Features
Read full description

Experience seamless, efficient and secure banking on the go with Mashreq. Trusted by millions globally, Mashreq brings you a global award-winning digital banking app designed to simplify your financial needs in Pakistan. Mashreq combines innovation, Shari’ah-compliant values and advanced financial solutions - giving you an all-in-one digital banking app that makes managing money easier than ever. Instant digital account opening: Open a bank account in just 5 minutes with a seamless onboarding experience — no paperwork and no branch visits required. Enjoy instant account setup and convenient banking anytime, anywhere. Industry-leading returns in Pakistan: Access competitive profit rates through our high profit savings account offerings and flexible savings account solutions. Earn up to 11.5% profit on your Islamic Savings Account while managing your current account banking needs anytime, anywhere. Islamic-first banking: Discover trusted Islamic banking solutions built around your values. Mashreq offers secure Islamic banking services with Shariah-compliant financial offerings and modern digital convenience. Highest transfer limit: Send up to PKR 10 million daily with ease using Mashreq’s secure money transfer features. Transfer money quickly, safely and conveniently through the app. All-in-one solution: Apply for a debit card, transfer funds and manage utility bills seamlessly across 4,000+ billers directly from the mobile app. Exclusive rewards: Enjoy 10%* cashback on grocery store purchases with your Mashreq Mastercard Debit Card and Mashreq PayPay Debit Card, capped at PKR 5,000 per month. Free** ATM withdrawals: Withdraw cash across 19,000+ ATMs nationwide at no additional cost with convenient ATM withdrawal access. Secure banking: Enjoy encrypted transactions, advanced protection and a secure banking app experience designed to keep your finances safe. 24/7 customer support: Get instant support though the in-app chat support or visit our website for assistance. Why choose Mashreq Pakistan? Convenience: Convenient, cutting-edge banking. Anytime, anywhere Innovation: Rise with the best Islamic digital solution globally Security: Bank with confidence and peace of mind Commitment: Rising together, committed to a vision of an empowered Pakistan Get the best in-app experience, offering unmatched convenience and making your banking experience seamless and hassle-free. Become a part of the global award-winning Mashreq platform today and experience smarter banking built for your everyday needs. *Grocery cashback is applicable on current accounts only. Monthly cashback cap of PKR 5,000 per customer. T&Cs apply: mashreq.com/pkgrocerycashbacktncs **Standard 1 link fee charged at the time of transaction will be reimbursed to your account within 1 week.

Screenshots

Finja4 screens
Mashreq Pakistan4 screens

Verdict

The call

The clearest difference is rating: Mashreq Pakistan at 4.6 against Finja's 2.3. Mashreq Pakistan also leads on ratings volume (102 vs 3). Finja's advantage is iOS requirement (13.0 vs 15.1). 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

Mashreq Pakistan holds the better App Store score, 4.6 against 2.3. That said, the two scores are not equally well evidenced: Mashreq Pakistan has 102 ratings behind it against 3, so its average is the more settled of the two.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on November 3, 2026 and November 4, 2026 respectively.

Scorecard3 real differences · 7 level
Finja versus Mashreq Pakistan: the parameters behind the verdict, then further details
ParameterFinjaMashreq Pakistan
PriceFreeFree
Rating2.3 (3 ratings)4.6 (102 ratings) — better
Positive reviews—37.5% of reviews
Number of ratings3102 — better
Update frequencyEvery 3 weeksEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS13.0 — better15.1
Further details — not scored
Size58 MB228 MB
Age rating4+4+
DeveloperOPay Digital Services Pte.Ltd.Mashreq Bank PSC

Customer experience

Finja

All ratings3 ratings
Positive33.3%
Neutral0.0%
Negative66.7%

Mashreq Pakistan

All ratings100 ratings
Positive92.0%
Neutral1.0%
Negative7.0%
Written reviews8 reviews
Positive37.5%
Neutral0.0%
Negative62.5%

In-app purchases

None

Finja

No in-app purchases

None

Mashreq Pakistan

No in-app purchases

Questions

Is Finja free?
Finja is free to download, with no in-app purchases.
Is Mashreq Pakistan free?
Mashreq Pakistan is free to download, with no in-app purchases.
Which has better reviews, Finja or Mashreq Pakistan?
Mashreq Pakistan is rated higher. Finja averages 2.3 out of 5 from 3 ratings, while Mashreq Pakistan averages 4.6 from 102 ratings.
Do Finja or Mashreq Pakistan have ads?
Neither Finja nor Mashreq Pakistan shows ads.
Which is updated more often, Finja or Mashreq Pakistan?
Finja ships an update every 3 weeks, and Mashreq Pakistan every 3 weeks. Most recently, Finja was updated on November 3, 2026 and Mashreq Pakistan on November 4, 2026.

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