Joola App vs ZaPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Joola App
This app helps you save money for personal or group goals, like trips or debt payoff. It allows you to set targets, automate contributions, and track progress with friends or solo. The platform aims to make saving easy and stress-free.
- Set savings goals
- Save solo or with friends
- Automate contributions
- Track progress
- Unlock funds upon goal completion
- Save for various life events
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You keep saying you'll book the trip. The money just never seems to be there. Joola changes that. Set a savings goal, automate your contributions, and watch the money build without thinking about it. When the goal is hit, the trip is funded. You book it. You go. No credit card bill waiting when you land home. SAVE ON YOUR OWN Pick your destination and set your goal. Joola pulls your contribution on schedule: biweekly, or monthly. You decide the pace. The money stays locked until you hit your goal. When you do, it's yours. All of it. SAVE WITH YOUR CREW - Group trips fall apart because the money never gets sorted. - Invite your friends. - Everyone sets the same contribution schedule. Joola handles the rest automatically. No chasing payments, no one person fronting costs, no awkward follow-ups. Everyone shows up funded. That's the whole idea. GETTING STARTED IS EASY - Create your free account - Name your goal and set your target - Choose your contribution schedule - Joola saves automatically from there The trip has been in the group chat long enough. Start your goal at joola.app!
ZaPay
This app facilitates peer-to-peer lending among friends and family, offering automated payments and scheduled payback dates. It includes in-app chat for communication and a transaction history to track all financial exchanges.
- Automated payments
- Scheduled payback dates
- In-app chat
- Transaction history
- Star rating system
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Imagine a world where friends can lend money to friends without a care in the world? Imagine family spotting each other a few bucks with no worries at all. That time has arrived. If you don’t know now you know! ZaPay is the start of a brand new era in friends and family lending! Download today and start “ZaPayin” right away! ZaPay Features: - Automated Payments - Scheduled automated payback dates to ensure confidence and reduce confusion. - Chat Function in the app - Communicate with users within the app. - Transaction History - Keep record of every transaction - Star Rating system - Rate your fellow ZaPayers once the transaction is complete
Screenshots
Verdict
The clearest difference is rating: Joola App at 4.4 against ZaPay's 3.7. Joola App also leads on review sentiment (88% vs 50%) and update cadence (every 8 days vs every 11 months). ZaPay's advantage is iOS requirement (13.0 vs 15.5). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Joola App holds the better App Store score, 4.4 against 3.7. That said, the two scores are not equally well evidenced: Joola App has 25 ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 88% of Joola App's written reviews are positive against 50% of ZaPay's.
Joola App ships an update every 8 days, ZaPay every 11 months. The most recent releases landed on October 29, 2026 and October 24, 2026 respectively.
| Parameter | Joola App | ZaPay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.4 (25 ratings) — better | 3.7 (3 ratings) |
| Positive reviews | 88.2% of reviews — better | 50.0% of reviews |
| Number of ratings | 25 — better | 3 |
| Update frequency | Every 8 days — better | Every 11 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.5 | 13.0 — better |
| Further details — not scored | ||
| Size | 52 MB | 27 MB |
| Age rating | 4+ | 4+ |
| Developer | JOOLA LLC | ZaPay LLC |
Customer experience
Joola App
ZaPay
In-app purchases
Joola App
No in-app purchases
ZaPay
No in-app purchases
