# QonaPay vs Tende Pay

The clearest difference is iOS requirement: QonaPay at 12.0 against Tende Pay's 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.

QonaPay ships an update every 2 months, Tende Pay every 6 weeks. The most recent releases landed on November 3, 2026 and October 27, 2026 respectively.

## The numbers

| Metric | QonaPay | Tende Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.2 (13 ratings)](https://appshunter.io/ios/app/qonapay/id1528734159/reviews)** | — |
| Number of ratings | **13** | — |
| Positive reviews | 66.7% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 6 weeks** |
| Monetization | Free | — |
| Size | 82 MB | 37 MB |
| Requires iOS | **12.0** | 15.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Safaricom Sacco](https://appshunter.io/developer/1528734161) | [Tendepay Limited](https://appshunter.io/developer/1740688655) |

## What reviewers say

### QonaPay

[App page](https://appshunter.io/ios/app/qonapay/id1528734159)

Access Sacco banking services from your mobile device. Manage accounts, transfer funds, apply for loans, and pay bills conveniently. Enjoy unlimited access to financial services anytime, anywhere.

**Highlights:** Mobile Money transfers, External and Internal Funds Transfer, Account balance and statement download, Airtime and Utility Bill payments, Loan application and repayment, Manage Standing Orders, Guarantor Management

**In-app purchases:** none


### Tende Pay

[App page](https://appshunter.io/ios/app/tende-pay/id1580352457)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is QonaPay free?

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

### Is Tende Pay free?

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

### Do QonaPay or Tende Pay have ads?

Neither QonaPay nor Tende Pay shows ads.

### Which is updated more often, QonaPay or Tende Pay?

QonaPay ships an update every 2 months, and Tende Pay every 6 weeks. Most recently, QonaPay was updated on November 3, 2026 and Tende Pay on October 27, 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.*