# Pagando vs Fiado

The clearest difference is monetization model: Fiado at free against Pagando's free with in-app purchases. Fiado also leads on update cadence (every 5 days vs every 3 weeks) and review sentiment (82% vs 68%). On price, rating, 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.

On the App Store both sit at effectively the same score — 4.7 for Pagando against 4.7 for Fiado. That said, the two scores are not equally well evidenced: Fiado has 81 ratings behind it against 14, so its average is the more settled of the two. Written reviews are what separate them: 68% of Pagando's written reviews are positive against 82% of Fiado's.

Pagando ships an update every 3 weeks, Fiado every 5 days. The most recent releases landed on October 21, 2026 and October 22, 2026 respectively.

## The numbers

| Metric | Pagando | Fiado |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (14 ratings)](https://appshunter.io/ios/app/pagando/id1528416728/reviews) | **[4.7 (81 ratings)](https://appshunter.io/ios/app/fiado/id6447024256/reviews)** |
| Number of ratings | 14 | **81** |
| Positive reviews | 68.0% of reviews | **81.8% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 5 days** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 133 MB | 124 MB |
| Requires iOS | 17.6 | **15.1** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 17+ | 4+ |
| Developer | [Xc Networks, S.a. De C.v.](https://appshunter.io/developer/1552940014) | [Fiado Inc](https://appshunter.io/developer/1680084759) |

## 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


### Fiado

[App page](https://appshunter.io/ios/app/fiado/id6447024256)

Receive your salary directly with an account and routing number. Get an international Mastercard to start spending immediately. Send money affordably without long queues.

**Highlights:** Direct salary deposit, International Mastercard, Affordable money transfers, No long queues, Immediate spending

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

**In-app purchases:** none


## Frequently asked questions

### Is Pagando free?

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

### Is Fiado free?

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

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

Fiado is rated higher. Pagando averages 4.7 out of 5 from 14 ratings, while Fiado averages 4.7 from 81 ratings.

### Do Pagando or Fiado have ads?

Neither Pagando nor Fiado shows ads.

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

Pagando ships an update every 3 weeks, and Fiado every 5 days. Most recently, Pagando was updated on October 21, 2026 and Fiado on October 22, 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.*