# Joola App vs ZaPay

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.

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.

## The numbers

| Metric | Joola App | ZaPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.4 (25 ratings)](https://appshunter.io/ios/app/joola-app/id1529772092/reviews)** | [3.7 (3 ratings)](https://appshunter.io/ios/app/zapay/id1632479997/reviews) |
| Number of ratings | **25** | 3 |
| Positive reviews | **88.2% of reviews** | 50.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 8 days** | Every 11 months |
| Monetization | Free | Free |
| Size | 52 MB | 27 MB |
| Requires iOS | 15.5 | **13.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [JOOLA LLC](https://appshunter.io/developer/1529772094) | [ZaPay LLC](https://appshunter.io/developer/1632479999) |

## What reviewers say

### Joola App

[App page](https://appshunter.io/ios/app/joola-app/id1529772092)

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.

**Highlights:** Set savings goals, Save solo or with friends, Automate contributions, Track progress, Unlock funds upon goal completion, Save for various life events

**Features:** Vision Pro support

**In-app purchases:** none


### ZaPay

[App page](https://appshunter.io/ios/app/zapay/id1632479997)

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.

**Highlights:** Automated payments, Scheduled payback dates, In-app chat, Transaction history, Star rating system

**In-app purchases:** none


## Frequently asked questions

### Is Joola App free?

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

### Is ZaPay free?

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

### Which has better reviews, Joola App or ZaPay?

Joola App is rated higher. Joola App averages 4.4 out of 5 from 25 ratings, while ZaPay averages 3.7 from 3 ratings.

### Do Joola App or ZaPay have ads?

Neither Joola App nor ZaPay shows ads.

### Which is updated more often, Joola App or ZaPay?

Joola App ships an update every 8 days, and ZaPay every 11 months. Most recently, Joola App was updated on October 29, 2026 and ZaPay on October 24, 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.*