# nextJoy vs Geru

The clearest difference is rating: nextJoy at 4.7 against Geru's 1.0. nextJoy also leads on review sentiment (42% vs 14%) and ratings volume (178 vs 1). On price, update cadence, ads and in-app purchases there is nothing between them.

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

nextJoy holds the better App Store score, 4.7 against 1.0. That said, the two scores are not equally well evidenced: nextJoy has 178 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 42% of nextJoy's written reviews are positive against 14% of Geru's.

nextJoy ships an update every 3 weeks, Geru fortnightly. Both last shipped on November 3, 2026.

## The numbers

| Metric | nextJoy | Geru |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (178 ratings)](https://appshunter.io/ios/app/nextjoy/id1507763183/reviews)** | [1.0 (1 ratings)](https://appshunter.io/ios/app/geru-credito-e-pix-parcelado/id1587713422/reviews) |
| Number of ratings | **178** | 1 |
| Positive reviews | **41.5% of reviews** | 13.6% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Fortnightly** |
| Monetization | **Free** | Ad-supported |
| Size | 181 MB | 117 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | +4 | 4+ |
| Developer | [BANCO BRADESCO S.A.](https://appshunter.io/developer/668665076) | [Open Co Tecnologia S.A](https://appshunter.io/developer/1587713424) |

## What reviewers say

### nextJoy

[App page](https://appshunter.io/ios/app/nextjoy/id1507763183)

A digital account designed for financial education for families, featuring Disney characters. It allows young users to manage their money with a debit card, Pix transfers, and scheduled allowances, while parents monitor all transactions in real-time for enhanced security.

**Highlights:** Financial education for families, Debit card for purchases, Pix transfers and bill payments, Scheduled allowances, Savings account, Disney character customization, Parental real-time transaction monitoring

**Features:** Vision Pro support

**In-app purchases:** none


### Geru

[App page](https://appshunter.io/ios/app/geru-credito-e-pix-parcelado/id1587713422)

Access personalized credit lines and manage loans easily. Make purchases with Pix and pay later, or pay off installments and contracts anytime. Get credit to fund your future plans.

**Highlights:** Personalized credit lines, Flexible credit with profile-based rates, GeruPay for cardless Pix purchases, Pay later for Pix purchases, Loan management, Pay or prepay installments, Early contract payoff

**In-app purchases:** none


## Frequently asked questions

### Is nextJoy free?

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

### Is Geru free?

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

### Which has better reviews, nextJoy or Geru?

nextJoy is rated higher. nextJoy averages 4.7 out of 5 from 178 ratings, while Geru averages 1.0 from 1 ratings.

### Do nextJoy or Geru have ads?

Neither nextJoy nor Geru shows ads.

### Which is updated more often, nextJoy or Geru?

nextJoy ships an update every 3 weeks, and Geru fortnightly. Most recently, nextJoy was updated on November 3, 2026 and Geru on November 3, 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.*