# Kixy vs Shoal

Kixy and Shoal both sit at 5.0 stars, but that hides the real split: 90% of Shoal's written reviews are positive against 33% of Kixy's. Kixy's advantage is ratings volume (7 vs 1). On price, rating, update cadence and ads there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

On the App Store both sit at effectively the same score — 5.0 for Kixy against 5.0 for Shoal. That said, the two scores are not equally well evidenced: Kixy has 7 ratings behind it against 1, so its average is the more settled of the two. Written reviews are what separate them: 33% of Kixy's written reviews are positive against 90% of Shoal's.

Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on October 24, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | Kixy | Shoal |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (7 ratings)](https://appshunter.io/ios/app/kixy/id1606900427/reviews) | [5.0 (1 ratings)](https://appshunter.io/ios/app/shoal/id6737417897/reviews) |
| Number of ratings | **7** | 1 |
| Positive reviews | 33.3% of reviews | **90.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | Every 2 months |
| Monetization | Free | Free |
| Size | 95 MB | 149 MB |
| Requires iOS | 15.6 | **15.1** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Kixy LTD](https://appshunter.io/developer/1606900429) | [Algbra FS UK Limited](https://appshunter.io/developer/1610109637) |

## What reviewers say

### Kixy

[App page](https://appshunter.io/ios/app/kixy/id1606900427)

This app integrates your social life with smart financial management. Easily chat, split bills, send money, and manage personal or business finances all in one secure platform. It aims to make financial interactions fun, simple, and connected.

**Highlights:** Social money management, Bill splitting, Send cash, Business customer engagement, Active fraud monitoring, 2-Factor Authentication

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

**In-app purchases:** none


### Shoal

[App page](https://appshunter.io/ios/app/shoal/id6737417897)

Grow your savings while supporting sustainable global projects. Track your positive environmental impact and contribute to UN Sustainable Development Goals. Your savings are protected and help fund green initiatives.

**Highlights:** Earn returns on savings, Support green and social projects, Track CO2e avoidance, Track clean water generation, Contribute to UN SDGs, FSCS protected savings

**In-app purchases:** none


## Frequently asked questions

### Is Kixy free?

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

### Is Shoal free?

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

### Which has better reviews, Kixy or Shoal?

Kixy and Shoal are both rated 5.0 out of 5 on the App Store, from 7 and 1 ratings respectively.

### Do Kixy or Shoal have ads?

Neither Kixy nor Shoal shows ads.

### Which is updated more often, Kixy or Shoal?

Kixy ships an update every 2 months, and Shoal every 2 months. Most recently, Kixy was updated on October 24, 2026 and Shoal on October 30, 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.*