# Cowry vs Pebblescore

The clearest difference is rating: Pebblescore at 4.4 against Cowry's 3.4. Pebblescore also leads on update cadence (weekly vs every 2 months) and review sentiment (67% vs 55%). On price, ratings volume, 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.

Pebblescore holds the better App Store score, 4.4 against 3.4. Both are backed by a comparable volume of ratings — 58 and 143 respectively. Written reviews point the same way: 55% of Cowry's written reviews are positive against 67% of Pebblescore's.

Cowry ships an update every 2 months, Pebblescore weekly. Both last shipped on November 3, 2026.

## The numbers

| Metric | Cowry | Pebblescore |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.4 (58 ratings)](https://appshunter.io/ios/app/cowry-payments-app/id1556632029/reviews) | **[4.4 (143 ratings)](https://appshunter.io/ios/app/pebblescore/id6450597267/reviews)** |
| Number of ratings | 58 | **143** |
| Positive reviews | 54.5% of reviews | **66.7% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Weekly** |
| Monetization | Free | Free |
| Size | 88 MB | 55 MB |
| Requires iOS | 15.6 | **15.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [Touch and Pay Technologies Limited](https://appshunter.io/developer/1556632031) | [Pebblescore Data Services Limited](https://appshunter.io/developer/1693990811) |

## What reviewers say

### Cowry

[App page](https://appshunter.io/ios/app/cowry-payments-app/id1556632029)

Manage your micro-transaction payments easily. Top up credit via bank transfers or cash, track your payment history, and view your balance. Transfer credit to friends and family, and receive low balance notifications.

**Highlights:** Top up credit via bank transfers or cash, Check payment history, View pay as you go balance, Transfer credit to friends and family, Airtime recharge, Low balance notifications, Scan bus QR codes

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### Pebblescore

[App page](https://appshunter.io/ios/app/pebblescore/id6450597267)

This app helps users improve their credit history and gain access to better loan opportunities. It provides personalized recommendations and tools to check credit scores and reports from major bureaus, empowering users to achieve financial goals.

**Highlights:** Credit score checking, Comprehensive credit reports, Personalized improvement recommendations, Access to low-interest loans, Financial goal achievement tools

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Cowry free?

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

### Is Pebblescore free?

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

### Which has better reviews, Cowry or Pebblescore?

Pebblescore is rated higher. Cowry averages 3.4 out of 5 from 58 ratings, while Pebblescore averages 4.4 from 143 ratings.

### Do Cowry or Pebblescore have ads?

Neither Cowry nor Pebblescore shows ads.

### Which is updated more often, Cowry or Pebblescore?

Cowry ships an update every 2 months, and Pebblescore weekly. Most recently, Cowry was updated on November 3, 2026 and Pebblescore on November 3, 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.*