# AziPay vs Utgift

The clearest difference is in-app purchases: AziPay at none against Utgift's 1. AziPay also leads on iOS requirement (11.0 vs 15.1). Utgift's advantage is update cadence (monthly vs every 2 months). On price, ads and device support there is nothing between them.

Both are free to download. Utgift sells 1 in-app purchase, starting at $6.99 per year. AziPay asks for nothing beyond the download.

AziPay ships an update every 2 months, Utgift monthly. The most recent releases landed on November 3, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | AziPay | Utgift |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.9 (156 ratings)](https://appshunter.io/ios/app/azipay/id1523213192/reviews)** | — |
| Number of ratings | **156** | — |
| Positive reviews | 27.3% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 2 months | **Monthly** |
| Monetization | Free | — |
| Size | 73 MB | 42 MB |
| Requires iOS | **11.0** | 15.1 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Azizi Bank](https://appshunter.io/developer/1372757163) | [R24k Web-Atelje](https://appshunter.io/developer/1847330480) |

## What reviewers say

### AziPay

[App page](https://appshunter.io/ios/app/azipay/id1523213192)

This mobile wallet allows users to manage their finances conveniently and securely. It facilitates money transfers, merchant payments, bill payments, and ATM cash withdrawals directly from a smartphone.

**Highlights:** Money transfers to other wallet users, Load money from bank accounts, Merchant payments via scan and pay, ATM cash out without a card, Bank account inquiries and statements, Bill payments, Prepaid mobile recharge

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 The best App
- 👍 Great achievement
- 👍 IT’s working very good
- 👍 The application is quite good
- 👍 The app works better!

**What reviewers complain about**

- 🐛 Full of bags
- 🐛 Add card issue
- 🐛 The latest version of the app has bugs
- 🐛 Must repair
- 🐛 Very bad app

**Reported bugs**

- Add card issue
- The latest version of the app has bugs
- It james while clicking on topup mobile icon
- It has stock glitche and doesn’t work
- New update

**Requested features**

- Add card issue
- Please update it
- Please revise it
- Please add option for transferring AZI Pay balance to Azizi bank account.


### Utgift

[App page](https://appshunter.io/ios/app/utgift-expenses-tracker/id6760619995)

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Utgift Pro | $6.99 | per year |


## Frequently asked questions

### Is AziPay free?

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

### Is Utgift free?

Utgift is free to download, with in-app purchases available.

### Do AziPay or Utgift have ads?

Neither AziPay nor Utgift shows ads.

### Which is updated more often, AziPay or Utgift?

AziPay ships an update every 2 months, and Utgift monthly. Most recently, AziPay was updated on November 3, 2026 and Utgift on November 5, 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.*