# KESS PAY vs NRMIS

The clearest difference is ads: NRMIS at none against KESS PAY's shown. NRMIS also leads on iOS requirement (13.2 vs 16.6). On price, update cadence, in-app purchases and device support there is nothing between them.

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

KESS PAY ships an update fortnightly, NRMIS every 3 weeks. The most recent releases landed on October 12, 2026 and October 8, 2026 respectively.

## The numbers

| Metric | KESS PAY | NRMIS |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (3 ratings)](https://appshunter.io/ios/app/kess-pay/id1518521952/reviews)** | — |
| Number of ratings | **3** | — |
| Positive reviews | 66.7% of reviews | — |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Fortnightly** | Every 3 weeks |
| Monetization | Ad-supported | — |
| Size | 201 MB | 19 MB |
| Requires iOS | 16.6 | **13.2** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [KESS INNOVATION PLC.](https://appshunter.io/developer/1496591276) | [MINISTRY OF ECONOMY AND FINANCE](https://appshunter.io/developer/1507079609) |

## What reviewers say

### KESS PAY

[App page](https://appshunter.io/ios/app/kess-pay/id1518521952)

This app simplifies sending, receiving, and managing money with instant transfers, group payments, and QR code scanning. It offers a secure and reliable way to handle everyday financial transactions and access connected services.

**Highlights:** Instant money transfers, Group bill splitting, QR code payments, Secure transactions, Connected third-party services

**In-app purchases:** none


### NRMIS

[App page](https://appshunter.io/ios/app/nrmis/id1562301087)

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

**In-app purchases:** none


## Frequently asked questions

### Is KESS PAY free?

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

### Is NRMIS free?

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

### Do KESS PAY or NRMIS have ads?

KESS PAY shows ads; NRMIS does not.

### Which is updated more often, KESS PAY or NRMIS?

KESS PAY ships an update fortnightly, and NRMIS every 3 weeks. Most recently, KESS PAY was updated on October 12, 2026 and NRMIS on October 8, 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.*