# Bank Zero vs Telkom Pay

The clearest difference is rating: Bank Zero at 3.5 against Telkom Pay's 1.0. Bank Zero also leads on ratings volume (12 vs 2) and iOS requirement (12.0 vs 15.0). 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.

Bank Zero holds the better App Store score, 3.5 against 1.0. That said, the two scores are not equally well evidenced: Bank Zero has 12 ratings behind it against 2, so its average is the more settled of the two.

Both ship on a similar rhythm, roughly every 5 weeks. The most recent releases landed on October 22, 2026 and October 10, 2026 respectively.

## The numbers

| Metric | Bank Zero | Telkom Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.5 (12 ratings)](https://appshunter.io/ios/app/bank-zero/id1514773975/reviews)** | [1.0 (2 ratings)](https://appshunter.io/ios/app/telkom-pay/id1621457611/reviews) |
| Number of ratings | **12** | 2 |
| Positive reviews | 66.7% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 weeks | Every 5 weeks |
| Monetization | Free | Free |
| Size | 148 MB | 36 MB |
| Requires iOS | **12.0** | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 9+ | 4+ |
| Developer | [Bank Zero](https://appshunter.io/developer/1514773974) | [Telkom SA SOC Ltd](https://appshunter.io/developer/527962846) |

## What reviewers say

### Bank Zero

[App page](https://appshunter.io/ios/app/bank-zero/id1514773975)

A modern, app-driven bank offering robust financial services for individuals and businesses at no cost. Features include secure transactions, account management, and dedicated support. Explore unique banking functionalities and manage your finances seamlessly.

**Highlights:** App-driven banking, Zero cost services, Individual and business accounts, Secure patented card, Dedicated banking specialists, Account opening and management, Payment and transfer services

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


### Telkom Pay

[App page](https://appshunter.io/ios/app/telkom-pay/id1621457611)

Manage your money, make payments, and get paid without needing a bank account. This app allows you to send money, buy prepaid services, and store vouchers securely. It's accessible to all network providers and simplifies transactions with easy verification.

**Highlights:** Make and receive payments, Send and request money, Buy airtime, data, and vouchers, Create virtual prepaid cards, Top up wallet via EFT or cash, Withdraw cash or via EFT

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Bank Zero free?

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

### Is Telkom Pay free?

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

### Which has better reviews, Bank Zero or Telkom Pay?

Bank Zero is rated higher. Bank Zero averages 3.5 out of 5 from 12 ratings, while Telkom Pay averages 1.0 from 2 ratings.

### Do Bank Zero or Telkom Pay have ads?

Neither Bank Zero nor Telkom Pay shows ads.

### Which is updated more often, Bank Zero or Telkom Pay?

Bank Zero ships an update every 5 weeks, and Telkom Pay every 5 weeks. Most recently, Bank Zero was updated on October 22, 2026 and Telkom Pay on October 10, 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.*