Comparison

FRiENDi PAY vs Mess Chat

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

Head to head
About

FRiENDi PAY

Send money internationally to over 30 countries with competitive exchange rates and fast, secure transfers. This service offers bank transfers, cash pickup, and digital wallet options, backed by a trusted financial institution.

Highlights
  • Send money to 30+ countries
  • Competitive exchange rates
  • Fast and secure transfers
  • Bank transfer, cash pickup, digital wallet options
  • Save recipient details
  • 24/7 customer support
Features
Read full description

Send Money Home with Friendi Pay! Friendi Pay makes international money transfers simple and affordable. Send money home to 30+ countries with great exchange rates, including key destinations like India, Pakistan, Bangladesh, Nepal, Sri Lanka, Philippines, Egypt, Kenya, Uganda, and more! Enjoy peace of mind knowing that Friendi Pay is backed by the same reliable team behind Friendi Mobile and powered by The Saudi Investment Bank (SAIB). Why Choose Friendi Pay? • Extensive Global Network: o Send money home to more than 30 countries across Asia and Africa, such as India, Pakistan, Bangladesh, Nepal, Sri Lanka, Egypt, Philippines, Kenya, and Uganda. • Affordable & Transparent: o Our best exchange rates and competitive fees. o First transaction is free! • Fast & Secure: o Nearly instant money transfers. o Strong security measures in the app to make sure that your transfers are protected. • Versatile Options: o Send money the way you want - as bank transfer, cash pickup or to digital wallets. o Save recipient details to make the next transaction even faster. • Trusted Service: o Powered by The Saudi Investment Bank (SAIB). Key Features: • Send money home to 30+ countries. • Competitive exchange rates. • Secure and reliable money transfers. • Fast transfer speeds. • 24x7 customer support • App available in multiple languages - English, Hindi, Malayalam, Urdu, and Arabic. How it Works: 1. Download Friendi Pay app and complete the registration. 2. Add money to your account. 3. Add your beneficiary details. 4. Choose where and how you want to send your money. 5. Indicate the amount you want to send. 6. Confirm and send money. Download Friendi Pay now for secure, fast, and affordable money transfers! Convert SAR to major currencies: INR (Indian Rupee), PKR (Pakistani Rupee), BDT (Bangladeshi Taka), PHP (Philippine Peso), EGP (Egyptian Pound), NPR (Nepalese Rupee), LKR (Sri Lankan Rupee), KES (Kenyan Shilling), and more.

About

Mess Chat

Features
Read full description

Mess Chat & Chitti is the all-in-one app for managing shared mess expenses, running chit funds (Kuri/Chitti), and group savings — built for hostels, PGs, friend groups, and families. MESS — Shared Expense Chat Turn your group into a smart expense tracker with a WhatsApp-style chat feed. Every purchase, advance, and expense appears as a chat bubble in real time. • Add purchases, expenses & advances instantly • Auto-split bills equally or among selected members • See who paid what and who owes whom • Live balance card — total spend & per-member share at a glance • Settlement summary with one-tap WhatsApp share • Export PDF reports for full transaction history • Close the mess cycle and settle up cleanly CHITTI / KURI — Digital Chit Fund Run a transparent, paperless chit fund right inside the app. • Set total amount, number of months & members • Spin the lucky draw wheel each month to pick the winner • Track monthly contributions and payment status • Full history of past winners and payouts • Admin controls for managing payments PLAN — Group Savings Goal Set a savings target for your group and track contributions together. • Define a goal amount and deadline • Members contribute and track progress • Visual progress toward the target GROUP MANAGEMENT • Create multiple groups — Mess, Chitti, or Plan • Add members by QR code scan or mobile number • Admin roles with group lock and member controls • Switch between groups instantly REAL-TIME UPDATES • Instant push notifications for new transactions and messages • Live sync across all members • Works offline with cached data SECURE & PRIVATE • Your data stays within your group • No ads inside the app for paid users • Simple phone number login — no passwords needed Perfect for: → Hostel & PG mess groups → Office lunch groups → Family chit funds → Friend savings circles → Any shared expense group Download now and take the stress out of shared money management!

Screenshots

FRiENDi PAY4 screens
Mess Chat4 screens

Verdict

The call

The clearest difference is update cadence: Mess Chat at daily against FRiENDi PAY's every 2 months. FRiENDi PAY's advantage is iOS requirement (14.0 vs 17.0). On price, ads, in-app purchases and device support 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.

UpkeepUpdate frequency

FRiENDi PAY ships an update every 2 months, Mess Chat daily. The most recent releases landed on November 7, 2026 and October 31, 2026 respectively.

Scorecard2 real differences · 8 level
FRiENDi PAY versus Mess Chat: the parameters behind the verdict, then further details
ParameterFRiENDi PAYMess Chat
PriceFreeFree
Rating4.6 (130 ratings) — better—
Positive reviews53.8% of reviews—
Number of ratings130 — better—
Update frequencyEvery 2 monthsDaily — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPad
Requires iOS14.0 — better17.0
Further details — not scored
Size103 MB43 MB
Age rating4+4+
DeveloperVirgin Mobile KSAABDUL MANAF

In-app purchases

None

FRiENDi PAY

No in-app purchases

None

Mess Chat

No in-app purchases

Questions

Is FRiENDi PAY free?
FRiENDi PAY is free to download, with no in-app purchases.
Is Mess Chat free?
Mess Chat is free to download, with no in-app purchases.
Do FRiENDi PAY or Mess Chat have ads?
Neither FRiENDi PAY nor Mess Chat shows ads.
Which is updated more often, FRiENDi PAY or Mess Chat?
FRiENDi PAY ships an update every 2 months, and Mess Chat daily. Most recently, FRiENDi PAY was updated on November 7, 2026 and Mess Chat on October 31, 2026.

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