# Pagando vs Klu

The clearest difference is rating: Pagando at 4.7 against Klu's 3.7. Pagando also leads on review sentiment (68% vs 33%) and update cadence (fortnightly vs every 5 weeks). Klu's advantage is monetization model (free vs free with in-app purchases). On price, ads, 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.

Pagando holds the better App Store score, 4.7 against 3.7. Both are backed by a comparable volume of ratings — 12 and 3 respectively. Written reviews point the same way: 68% of Pagando's written reviews are positive against 33% of Klu's.

Pagando ships an update fortnightly, Klu every 5 weeks. The most recent releases landed on August 25, 2026 and June 5, 2026 respectively.

## The numbers

| Metric | Pagando | Klu |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (12 ratings)](https://appshunter.io/ios/app/pagando/id1528416728/reviews)** | [3.7 (3 ratings)](https://appshunter.io/ios/app/klu/id1562044639/reviews) |
| Number of ratings | **12** | 3 |
| Positive reviews | **68.0% of reviews** | 33.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 5 weeks |
| Monetization | Free with in-app purchases | **Free** |
| Size | 134 MB | 90 MB |
| Requires iOS | 17.6 | **17** |
| Devices | iPhone | iPhone |
| Age rating | 17+ | 4+ |
| Developer | [Xc Networks, S.a. De C.v.](https://appshunter.io/developer/1552940014) | [Klu Tech, S.A.P.I. de C.V.](https://appshunter.io/developer/1562044641) |

## What reviewers say

### Pagando

[App page](https://appshunter.io/ios/app/pagando/id1528416728)

Manage your personal or business finances with a new account. Enjoy benefits like making purchases, receiving payroll, saving for goals, and making payments to suppliers or employees. Access exclusive VIP experiences and exclusive Mastercard benefits.

**Highlights:** Personal and business accounts, Make and receive payments, Exclusive Mastercard benefits, Pay bills, Instant SPEI transfers, Deposit/withdraw cash, Real-time transaction notifications

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

**In-app purchases:** none


### Klu

[App page](https://appshunter.io/ios/app/klu/id1562044639)

Open a bank account in under three minutes from anywhere, anytime. Skip the traditional banking hassle and long queues for a seamless digital experience.

**Highlights:** Instant account opening, Remote account setup, 24/7 accessibility, No physical branch visits, Digital financial management

**In-app purchases:** none


## Frequently asked questions

### Is Pagando free?

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

### Is Klu free?

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

### Which has better reviews, Pagando or Klu?

Pagando is rated higher. Pagando averages 4.7 out of 5 from 12 ratings, while Klu averages 3.7 from 3 ratings.

### Do Pagando or Klu have ads?

Neither Pagando nor Klu shows ads.

### Which is updated more often, Pagando or Klu?

Pagando ships an update fortnightly, and Klu every 5 weeks. Most recently, Pagando was updated on August 25, 2026 and Klu on June 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.*