# S1lkPay vs Lista PH

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.

Both are free to download. Lista PH sells 35 one-off in-app purchases. S1lkPay asks for nothing beyond the download.

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.

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

## The numbers

| Metric | S1lkPay | Lista PH |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.5 (21 ratings)](https://appshunter.io/ios/app/s1lkpay/id1579807258/reviews) | **[4.0 (3 ratings)](https://appshunter.io/ios/app/lista-ph/id1580527951/reviews)** |
| Number of ratings | **21** | 3 |
| Positive reviews | 38.5% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | Yes | Yes |
| Update frequency | Every 3 weeks | **Fortnightly** |
| Monetization | **Ad-supported** | Free with in-app purchases |
| Size | 243 MB | 72 MB |
| Requires iOS | 15.5 | **15.1** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [S1LK, TOO](https://appshunter.io/developer/1474328358) | [Lista Technologies Pte. Ltd.](https://appshunter.io/developer/1580527953) |

## What reviewers say

### S1lkPay

[App page](https://appshunter.io/ios/app/s1lkpay/id1579807258)

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:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


### Lista PH

[App page](https://appshunter.io/ios/app/lista-ph/id1580527951)

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

**In-app purchases (35)**

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


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*