Kadmos vs ZaPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Kadmos
Receive your salary instantly and send money to loved ones abroad. This app offers transparent foreign exchange rates and aims to provide greater control over your finances. An upcoming debit card will allow for on-the-go spending.
- Instant salary reception
- International money transfers
- Transparent foreign exchange rates
- Upcoming debit card
- Control over finances
Read full descriptionHide full description
Kadmos completely changes the way international workers get paid! With the Kadmos App you get your salary instantly and can send that money home to your loved ones, as well as spend on the go with our upcoming debit card. Say goodbye to days of waiting before receiving your salary, to lack of transparency and stuck payments, to terrible foreign exchanges rates that make you lose lots of money. We give you back control of your finances, and with it the amazing flexibility of the latest technologies in Germany, to make your life and the lives of the people that you care for, easier and better. --Getting started-- Ask your employer if they already support Kadmos. If yes, great! All you need is an invitation and you are ready within minutes. With the next payment cycle you will then get paid through Kadmos, with all our benefits. If your employer does not work with us yet then it's time to tell them about Kadmos. https://www.kadmos.io/imprint
ZaPay
This app facilitates peer-to-peer lending among friends and family, offering automated payments and scheduled payback dates. It includes in-app chat for communication and a transaction history to track all financial exchanges.
- Automated payments
- Scheduled payback dates
- In-app chat
- Transaction history
- Star rating system
Read full descriptionHide full description
Imagine a world where friends can lend money to friends without a care in the world? Imagine family spotting each other a few bucks with no worries at all. That time has arrived. If you don’t know now you know! ZaPay is the start of a brand new era in friends and family lending! Download today and start “ZaPayin” right away! ZaPay Features: - Automated Payments - Scheduled automated payback dates to ensure confidence and reduce confusion. - Chat Function in the app - Communicate with users within the app. - Transaction History - Keep record of every transaction - Star Rating system - Rate your fellow ZaPayers once the transaction is complete
Screenshots
Verdict
The clearest difference is rating: Kadmos at 5.0 against ZaPay's 3.7. Kadmos also leads on update cadence (every 3 weeks vs every 11 months). ZaPay's advantage is review sentiment (50% vs 38%) and monetization model (free vs ad-supported). On price, ratings volume, ads and in-app purchases 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Kadmos holds the better App Store score, 5.0 against 3.7. Both are backed by a comparable volume of ratings — 4 and 3 respectively. Written reviews complicate that: 38% of Kadmos's written reviews are positive against 50% of ZaPay's, so the app with the better star average is not the one people write more warmly about.
Kadmos ships an update every 3 weeks, ZaPay every 11 months. Both last shipped on November 3, 2026.
| Parameter | Kadmos | ZaPay |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (4 ratings) — better | 3.7 (3 ratings) |
| Positive reviews | 37.5% of reviews | 50.0% of reviews — better |
| Number of ratings | 4 — better | 3 |
| Update frequency | Every 3 weeks — better | Every 11 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.1 | 13.0 — better |
| Further details — not scored | ||
| Size | 53 MB | 27 MB |
| Age rating | 4+ | 4+ |
| Developer | Kadmos GmbH | ZaPay LLC |
Customer experience
Kadmos
ZaPay
In-app purchases
Kadmos
No in-app purchases
ZaPay
No in-app purchases









