# Klu vs Pay X

The clearest difference is device support: Pay X at 3 against Klu's 1. Pay X also leads on iOS requirement (15.1 vs 17). On price, update cadence, 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.

Klu ships an update every 5 weeks, Pay X monthly. The most recent releases landed on October 2, 2026 and October 8, 2026 respectively.

## The numbers

| Metric | Klu | Pay X |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.7 (3 ratings)](https://appshunter.io/ios/app/klu/id1562044639/reviews)** | — |
| Number of ratings | **3** | — |
| Positive reviews | 33.3% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Monthly** |
| Monetization | Free | — |
| Size | 90 MB | 52 MB |
| Requires iOS | 17 | **15.1** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Klu Tech, S.A.P.I. de C.V.](https://appshunter.io/developer/1562044641) | [Ricardo Guerra](https://appshunter.io/developer/1880802741) |

## What reviewers say

### Klu

[App page](https://appshunter.io/ios/app/klu/id1562044639)

Open a bank account in under three minutes from anywhere, anytime. Skip the traditional banking hassle and long queues for a seamless digital experience.

**Highlights:** Instant account opening, Remote account setup, 24/7 accessibility, No physical branch visits, Digital financial management

**In-app purchases:** none


### Pay X

[App page](https://appshunter.io/ios/app/pay-x/id6759810391)

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

**In-app purchases:** none


## Frequently asked questions

### Is Klu free?

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

### Is Pay X free?

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

### Do Klu or Pay X have ads?

Neither Klu nor Pay X shows ads.

### Which is updated more often, Klu or Pay X?

Klu ships an update every 5 weeks, and Pay X monthly. Most recently, Klu was updated on October 2, 2026 and Pay X on October 8, 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.*