Comparison

QonaPay vs K

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

QonaPay

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
Read full description

Anywhere anytime banking with SafCIRI App from Safaricom Sacco Limited With SafCIRI App you can access Sacco services (BOSA and FOSA) from your ios device, providing you with unlimited access to all the services virtually. There is much more you can do with the SafCIRI App. Features of SafCIRI Mobile Money – Send Money from your FOSA (Salary Savings Account) to MPESA, Airtel Money, T-kash. External Funds Transfer – Send Money from your FOSA (Salary Savings Account) to any of the IPSL listed banks. Internal Funds Transfer – Transfer Money to any of your Sacco or other members Sacco Account. Account Balance –Check balances on any of your Sacco accounts and download statements for each for s defined date range period. Airtime Purchase – Buy Safaricom, Airtel or Telkom airtime at your convenience. Utility Bills – Conveniently pay for utility bills to DSTV, GoTV, Kenya Power (Post-paid and Prepaid), Zuku Triple Play, Zuku Satellite, Zuku Phone, Nairobi Water and Starttimes. Loan Application – Apply for instant mobile loans Loan Repayments – Pay any of your Loans from FOSA or MPESA directly from the App Manage Standing Orders – Initiate and stop standing orders at your convenience Guarantor Management – Approve Guarantor ship requests conveniently from your SafCIRI App. There is far much more you can do with the SafCIRI App than you think. Safaricom Sacco, Empowering You!

About

K

Access your accounts and manage financial products and services directly from your mobile device. This application provides a convenient way for customers to interact with their banking needs.

Highlights
  • Account access
  • Product and service access
  • Mobile banking
  • Financial management
Features
Read full description

K-Unity Unicash is an app that will enable kunity customers to have access to their accounts and access products and services from the app

Screenshots

QonaPay4 screens
K4 screens

Verdict

The call

The clearest difference is review sentiment: QonaPay at 67% against K's 0%. QonaPay also leads on rating (4.1 vs 2.3) and update cadence (every 2 months vs every 7 months). On price, ads, in-app purchases and monetization model there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

QonaPay holds the better App Store score, 4.1 against 2.3. Both are backed by a comparable volume of ratings — 9 and 3 respectively. Written reviews point the same way: 67% of QonaPay's written reviews are positive against 0% of K's.

UpkeepUpdate frequency

QonaPay ships an update every 2 months, K every 7 months. The most recent releases landed on September 20, 2026 and September 25, 2026 respectively.

Scorecard5 real differences · 5 level
QonaPay versus K: the parameters behind the verdict, then further details
ParameterQonaPayK
PriceFreeFree
Rating4.1 (9 ratings) — better2.3 (3 ratings)
Positive reviews66.7% of reviews — better0.0% of reviews
Number of ratings9 — better3
Update frequencyEvery 2 months — betterEvery 7 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS12.0 — better15.6
Further details — not scored
Size82 MB39 MB
Age rating4+4+
DeveloperSafaricom SaccoK-UNITY SACCO

Customer experience

QonaPay

All ratings9 ratings
Positive77.8%
Neutral0.0%
Negative22.2%
Written reviews3 reviews
Positive66.7%
Neutral0.0%
Negative33.3%

K

All ratings3 ratings
Positive33.3%
Neutral0.0%
Negative66.7%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

QonaPay

No in-app purchases

None

K

No in-app purchases

Questions

Is QonaPay free?
QonaPay is free to download, with no in-app purchases.
Is K free?
K is free to download, with no in-app purchases.
Which has better reviews, QonaPay or K?
QonaPay is rated higher. QonaPay averages 4.1 out of 5 from 9 ratings, while K averages 2.3 from 3 ratings.
Do QonaPay or K have ads?
Neither QonaPay nor K shows ads.
Which is updated more often, QonaPay or K?
QonaPay ships an update every 2 months, and K every 7 months. Most recently, QonaPay was updated on September 20, 2026 and K on September 25, 2026.

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