Comparison

PayForMe vs LemFi

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

Head to head
About

PayForMe

Easily track money lent and borrowed between friends. Manage multiple projects, view balances, and clear debts efficiently. Color-coding helps differentiate users for better organization.

Highlights
  • Track borrowed money
  • Manage multiple projects
  • View member balances
  • Create and update bills
  • Clear individual debts
  • Color-coded user differentiation
Features
Read full description

PayForMe is an app to track borrowing money between friends. It either uses Cospend on your Nextcloud instance or iHateMoney as a backend, and has the following features: - Show listed bills - Create new bills - Balance of project members - Handling several projects - Colorcodes to differentiate users - Update bills - Delete bills - Clearing debt of single members - Setting a default payer on a project basis

About

LemFi

Send money overseas easily and affordably to loved ones in Europe, Africa, Asia, and Latin America. Manage and exchange money in multiple currencies with competitive rates and low or zero transfer fees. Earn rewards by referring friends.

Highlights
  • Send money overseas
  • Low or zero transfer fees
  • Multi-currency account
  • Hold and exchange funds
  • Refer-a-friend rewards
  • Real-time notifications
  • 24/7 customer support
Features
Read full description

Join over 1 million people who trust LemFi to send money overseas to their loved ones. Whether you're transferring funds to Europe, Africa, Asia, or Latin America, we make it easy and affordable. With LemFi, you can send remittances from the United Kingdom, United States, Canada, and several European countries (including but not limited to France, Germany, Spain, Belgium, Italy, Ireland, Portugal, and the Netherlands) to destinations like Pakistan, India, Nigeria, Ghana, China, Uganda, Kenya, Senegal, Brazil, Tanzania, Ivory Coast, Cameroon, Benin, Rwanda, Ethiopia, France, Spain, Portugal and more—at very low or even zero transfer fees depending on the destination. REFER A FRIEND AND EARN MONEY Invite friends to join LemFi and earn rewards for every successful referral. Experience the benefits of fast borderless payments with low or zero transfer fees, depending on the country, and share the advantages with those you care about. HOLD AND EXCHANGE MONEY IN DIFFERENT CURRENCIES Manage and exchange money effortlessly with our multi-currency platform. Hold funds in Euros, British Pounds Sterling, Canadian Dollars, United States Dollars, and more. Enjoy competitive exchange rates and the flexibility to send money globally, wherever you are. TRANSFER FEES Unlock financial freedom with our transparent, low-fee or zero fee transfers. Depending on your destination, enjoy either minimal or fee-free transactions without any hidden charges. Transfer funds seamlessly to countries such as Brazil, Pakistan, China, India, Nigeria, Ghana, Kenya, Uganda, Tanzania, and beyond. EXTRA BENEFITS Receive real-time notifications when your funds arrive. Enjoy 24/7 customer support whenever you need assistance. LemFi is fully registered with the FCA in the UK, FINTRAC in Canada, FinCEN in the United States, and other relevant authorities worldwide. For instant support with your transactions, please contact our customer support team through the app or email support@lemfi.com. Connect with Us on Social Media Facebook: @uselemfi Twitter: @uselemfi Instagram: @uselemfi

Screenshots

PayForMe4 screens
LemFi4 screens

Verdict

The call

The clearest difference is update cadence: LemFi at weekly against PayForMe's every 4 months. LemFi also leads on ratings volume (74K vs 2). PayForMe's advantage is review sentiment (82% vs 57%) and rating (5.0 vs 4.8). On price, ads, in-app purchases and monetization model 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

PayForMe holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: LemFi has 74K ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 82% of PayForMe's written reviews are positive against 57% of LemFi's.

UpkeepUpdate frequency

PayForMe ships an update every 4 months, LemFi weekly. The most recent releases landed on October 5, 2026 and October 15, 2026 respectively.

Scorecard4 real differences · 6 level
PayForMe versus LemFi: the parameters behind the verdict, then further details
ParameterPayForMeLemFi
PriceFreeFree
Rating5.0 (2 ratings) — better4.8 (74K ratings)
Positive reviews81.8% of reviews — better57.2% of reviews
Number of ratings274K — better
Update frequencyEvery 4 monthsWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.015.0
Further details — not scored
Size4 MB863 MB
Age rating4+4+
DeveloperJona KoenigLemonade Finance

Customer experience

PayForMe

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews11 reviews
Positive81.8%
Neutral0.0%
Negative18.2%

LemFi

All ratings73,618 ratings
Positive96.0%
Neutral1.5%
Negative2.5%
Written reviews1,955 reviews
Positive57.2%
Neutral2.0%
Negative40.8%

Bugs and requests

PayForMe

Not enough reviews yet to summarise bugs or requests.

LemFi

Reported bugs

4 issues
  • App crashes or freezes
  • Funds not reflecting in wallet
  • Incorrect exchange rates displayed
  • Verification process not working

Requested features

5 requests
  • Add more beneficiary bank options
  • Improve transaction history and reporting
  • Provide ability to cancel or reverse transactions
  • Increase transfer limits
  • Offer mobile wallet or digital account features

In-app purchases

None

PayForMe

No in-app purchases

None

LemFi

No in-app purchases

Questions

Is PayForMe free?
PayForMe is free to download, with no in-app purchases.
Is LemFi free?
LemFi is free to download, with no in-app purchases.
Which has better reviews, PayForMe or LemFi?
PayForMe is rated higher. PayForMe averages 5.0 out of 5 from 2 ratings, while LemFi averages 4.8 from 74K ratings.
Do PayForMe or LemFi have ads?
Neither PayForMe nor LemFi shows ads.
Which is updated more often, PayForMe or LemFi?
PayForMe ships an update every 4 months, and LemFi weekly. Most recently, PayForMe was updated on October 5, 2026 and LemFi on October 15, 2026.

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