Comparison

S1lkPay vs Lista PH

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

Head to head
About

S1lkPay

A secure digital wallet and payment app for effortless financial transactions. Manage bills, shop online, and send money with a virtual prepaid card and expense tracking.

Highlights
  • Instant digital payment card
  • Secure mobile money transfer
  • Family finance management
  • Expense tracker
  • Multi-currency account
  • Card control features
Features
Read full description

Welcome to S1lkpay, your ultimate financial companion. S1lkpay is a secure and convenient digital wallet and payment app that simplifies your financial transactions. Whether you're paying bills, shopping online, or supporting loved ones, S1lkpay has got you covered. Effortless Money Management: Instant Digital Payment Card: Open a virtual prepaid card for seamless online and in-store purchases. Secure Mobile Money Transfer: Send and receive funds securely with our encrypted platform, perfect for both local and international transactions. Family Finance Management: Share cards with family and friends, and easily control shared expenses from your mobile device. Key Features: Mobile Payments: Enjoy the ease of cashless payments for all your daily needs. Expense Tracker: Keep an eye on your spending with our user-friendly expense tracking feature. Multi-Currency Account: Travel with ease using our multi-currency account, offering competitive exchange rates. Financial Services: Access a range of services including budgeting tools and financial support for your loved ones. Card Control: Ensure the security of your transactions with advanced card control features. Why Choose S1lkpay? Fast and Reliable: Experience quick and dependable payment processing with our secure platform. User-Friendly: Navigate effortlessly through our intuitive interface, designed for hassle-free financial management. No Bank Account Required: Get started without the need for a traditional bank account or credit checks. Download S1lkpay today and take the first step towards simplified and secure financial management. Whether you're paying, transferring, or sharing money, S1lkpay is your trusted companion for all things finance.

About

Lista PH

This app simplifies money management with tools for expense tracking, budgeting, and debt payoff. It offers credit score checks, financial product comparisons, and ready-to-use document templates. Users can also send payment reminders and manage multiple financial profiles securely.

Highlights
  • Expense tracking
  • Budgeting tools
  • Credit score check
  • Financial product marketplace
  • Document templates
  • Payment reminders
  • Multiple profile management
Read full description

**THE FINANCIAL MANAGEMENT APP FOR EVERYONE** Lista is the fastest-growing financial management app in the Philippines — built to make money management simple, smart, and stress-free. It’s **FREE, SAFE, and EASY!** Get a full view of your finances with tools for tracking expenses, budgeting, and paying off debt. Lista does the math for you so you can earn more, save more, and reach your goals faster. **A few of the many ways that Lista can help you:** **CHECK YOUR CREDIT SCORE** Get your credit score in seconds and see where you stand, money-wise. You’ll also get alerts for any important changes — helping you build and maintain a strong financial reputation. **EXPLORE OUR MARKETPLACE** Find the best financial products for you — all in one place. Compare and apply for credit cards, loans, and more that fit your needs and goals. **ACCESS READY-TO-USE DOCUMENTS** Save time with free templates for your everyday financial needs. From business documents to personal finance forms, you’ll have quick access to what you need — no starting from scratch. **SEND PAYMENT REMINDERS — FOR FREE** Never miss a due date again. Set billing reminders and send free payment reminders to customers or suppliers via SMS, Viber, or Messenger. **MANAGE MULTIPLE PROFILES** Have different sources of income? No problem. Keep your personal, business, and freelance finances separate — all in one account. **SAFE & SECURE** Your data is protected and backed up. Rest easy knowing every cent and every record is safe with Lista. **SAVE TIME** No more manual math. Lista auto-calculates your daily records so you can stay on top of your money — without the hassle. ### Why use Lista? Track your daily finances and business expenses in one app. Stay on top of your cash flow, view easy reports, and make smarter money decisions — anytime, anywhere. With Lista, you’ll always know where your money goes, how much you’re earning, and what you can do next to grow your savings or pay off debt. No spreadsheets, no guesswork — just simple, smart financial management. Privacy Policy: https://www.lista.com.ph/privacy-policy Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

S1lkPay4 screens
Lista PH4 screens

Verdict

The call

The clearest difference is rating: Lista PH at 4.0 against S1lkPay's 3.5. S1lkPay's advantage is in-app purchases (none vs 37) and ratings volume (21 vs 3). On price, update cadence, ads 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. Lista PH sells 35 one-off in-app purchases. S1lkPay asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Lista PH holds the better App Store score, 4.0 against 3.5. That said, the two scores are not equally well evidenced: S1lkPay has 21 ratings behind it against 3, so its average is the more settled of the two.

UpkeepUpdate frequency

S1lkPay ships an update every 3 weeks, Lista PH fortnightly. The most recent releases landed on July 7, 2026 and September 10, 2026 respectively.

Scorecard4 real differences · 6 level
S1lkPay versus Lista PH: the parameters behind the verdict, then further details
ParameterS1lkPayLista PH
PriceFreeFree
Rating3.5 (21 ratings)4.0 (3 ratings) — better
Positive reviews38.5% of reviews—
Number of ratings21 — better3
Update frequencyEvery 3 weeksFortnightly — better
AdsYesYes
In-app purchasesNo — betterYes
MonetizationAd-supported — betterFree with in-app purchases
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.515.1 — better
Further details — not scored
Size243 MB72 MB
Age rating4+4+
DeveloperS1LK, TOOLista Technologies Pte. Ltd.

Customer experience

S1lkPay

All ratings20 ratings
Positive55.0%
Neutral5.0%
Negative40.0%
Written reviews13 reviews
Positive38.5%
Neutral0.0%
Negative61.5%

Lista PH

All ratings3 ratings
Positive66.7%
Neutral0.0%
Negative33.3%

In-app purchases

None

S1lkPay

No in-app purchases

35 purchases

Lista PH

One-time35
  • Virtual Assistant Contract$0.99
  • Car Rental Contract$0.99
  • Contract of Lease Document$0.99
Show 32 more
  • Loan Agreement Document$0.99
  • Credit Card Payment Overdue$0.99
  • Legal Document Request2 variants$0.99
  • 1 CIBI Credit Score Request2 variants$0.99
  • 1 Transunion Credit Score$0.99
  • 1 Credit Score (New Users)$0.99
  • 1 Transunion CS 50% off$0.99
  • PHP 49 Credit Score$0.99
  • 1 Lenderlink Request$1.99
  • Debt Repayment Plan Discounted$1.99
  • CIBI + TransUnion Discount$1.99
  • Budget Plan Discounted$1.99
  • CIBI + Debt Repayment Discounted$1.99
  • TU + Debt Repayment Discount$1.99
  • 1 CIBI Credit Score Request$1.99
  • 1 CIBI Advance Tier Zero Score$1.99
  • 1 CIBI Credit Score 50% off$1.99
  • 1 CIBI Credit Score Request$2.99
  • 1 CIBI Advance Tier Repurchase$2.99
  • 1 Transunion Discounted Pull$3.99
  • 1 CIBI Advance Tier Request$3.99
  • 1 TransUnion + 1 Finn Analysis$5.99
  • 1 CIBI + 1 Finn Analysis$5.99
  • CIBI + AI Budget Plan Bundle$5.99
  • 1 TransUnion Credit Score$7.99
  • TransUnion + AI Budget Plan Bundle$9.99
  • 1 Transunion Credit Score$9.99
  • CIBI + Debt Free Bundle$14.99
  • TransUnion + Debt Free Bundle$14.99
  • AI Debt Repayment Plan$14.99
  • CIBI 1 and TU 1 Bundle$14.99
  • 1 Telco Score Request$99.99

Questions

Is S1lkPay free?
S1lkPay is free to download, with no in-app purchases.
Is Lista PH free?
Lista PH is free to download, with in-app purchases available.
Which has better reviews, S1lkPay or Lista PH?
Lista PH is rated higher. S1lkPay averages 3.5 out of 5 from 21 ratings, while Lista PH averages 4.0 from 3 ratings.
Do S1lkPay or Lista PH have ads?
Both S1lkPay and Lista PH show ads.
Which is updated more often, S1lkPay or Lista PH?
S1lkPay ships an update every 3 weeks, and Lista PH fortnightly. Most recently, S1lkPay was updated on July 7, 2026 and Lista PH on September 10, 2026.

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