# Cowry vs Cleva App

The clearest difference is rating: Cleva App at 4.7 against Cowry's 3.4. Cleva App also leads on update cadence (every 10 days vs every 2 months) and ratings volume (1.6K vs 58). On price, review sentiment, 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.

Cleva App holds the better App Store score, 4.7 against 3.4. That said, the two scores are not equally well evidenced: Cleva App has 1.6K ratings behind it against 58, so its average is the more settled of the two. Written reviews point the same way: 55% of Cowry's written reviews are positive against 59% of Cleva App's.

Cowry ships an update every 2 months, Cleva App every 10 days. The most recent releases landed on November 11, 2026 and November 12, 2026 respectively.

## The numbers

| Metric | Cowry | Cleva App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.4 (58 ratings)](https://appshunter.io/ios/app/cowry-payments-app/id1556632029/reviews) | **[4.7 (1.6K ratings)](https://appshunter.io/ios/app/cleva-app/id6473619732/reviews)** |
| Number of ratings | 58 | **1.6K** |
| Positive reviews | 54.5% of reviews | **59.2% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 10 days** |
| Monetization | Free | Free |
| Size | 98 MB | 221 MB |
| Requires iOS | 15.6 | **15** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Touch and Pay Technologies Limited](https://appshunter.io/developer/1556632031) | [Cleva Technologies, Inc.](https://appshunter.io/developer/1719266520) |

## What reviewers say

### Cowry

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

This app allows users to purchase public transport tickets and manage their travel funds. It offers features like topping up credit, checking balances and routes, and transferring funds to others. Users can also recharge airtime and receive low balance notifications.

**Highlights:** Buy bus and rail tickets, Top up pay-as-you-go credit, Check payment history, View bus routes, Transfer credit to friends/family, Airtime recharge, Low balance notifications

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

**In-app purchases:** none

**What reviewers like**

- 👍 Makes journey easy
- 👍 Seamless payment for transportation
- 👍 Stress-free travel
- 👍 Efficient payments
- 👍 Never be stranded

**What reviewers complain about**

- 🐛 Registration page is a mess
- 🐛 Cannot signup
- 🐛 Too slow for card records
- 🐛 Balance not updated instantly
- 🐛 Scammed due to balance delay

**Reported bugs**

- Keypad doesn’t retract on registration
- Registration page not functional
- Balance not updating immediately
- Card records tracking is slow
- KYC update not possible

**Requested features**

- Fix keypad that doesn’t retract
- Allow transfer from wallet to card
- Allow transfer to other banks
- More explanation on QR code payment


### Cleva App

[App page](https://appshunter.io/ios/app/cleva-app/id6473619732)

Manage your finances globally with this app. Send and receive money internationally, convert currencies at competitive rates, and spend with a virtual USD card. Earn rewards and refer friends for extra benefits.

**Highlights:** International money transfers, Receive USD and stablecoin payments, Free currency conversion, Virtual USD card for global spending, Earn and redeem Cleva Points, Referral program for earning rewards

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

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and easy to use
- 👍 User-friendly interface
- 💰 Reliable for international payments
- 🤝 Good customer service

**What reviewers complain about**

- 🐛 Payment issues and delays
- 🔄 Frequent app updates causing frustration
- 🔒 Concerns about security and account access

**Reported bugs**

- Rejected transactions with new bank partner
- Delayed or missing fund transfers
- Inability to access old account numbers

**Requested features**

- Reinstate Wells Fargo bank integration
- Add support for international wire transfers
- Introduce push notifications for account credits
- Enable withdrawal from virtual cards


## Frequently asked questions

### Is Cowry free?

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

### Is Cleva App free?

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

### Which has better reviews, Cowry or Cleva App?

Cleva App is rated higher. Cowry averages 3.4 out of 5 from 58 ratings, while Cleva App averages 4.7 from 1.6K ratings.

### Do Cowry or Cleva App have ads?

Neither Cowry nor Cleva App shows ads.

### Which is updated more often, Cowry or Cleva App?

Cowry ships an update every 2 months, and Cleva App every 10 days. Most recently, Cowry was updated on November 11, 2026 and Cleva App on November 12, 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.*