Comparison

Kadmos vs ZaPay

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

Head to head
About

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.

Highlights
  • Instant salary reception
  • International money transfers
  • Transparent foreign exchange rates
  • Upcoming debit card
  • Control over finances
Features
Read 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

About

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.

Highlights
  • Automated payments
  • Scheduled payback dates
  • In-app chat
  • Transaction history
  • Star rating system
Read 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

Kadmos4 screens
ZaPay3 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

Kadmos ships an update every 3 weeks, ZaPay every 11 months. Both last shipped on November 3, 2026.

Scorecard5 real differences · 5 level
Kadmos versus ZaPay: the parameters behind the verdict, then further details
ParameterKadmosZaPay
PriceFreeFree
Rating5.0 (4 ratings) — better3.7 (3 ratings)
Positive reviews37.5% of reviews50.0% of reviews — better
Number of ratings4 — better3
Update frequencyEvery 3 weeks — betterEvery 11 months
AdsNoNo
In-app purchasesNoNo
MonetizationAd-supportedFree — better
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.113.0 — better
Further details — not scored
Size53 MB27 MB
Age rating4+4+
DeveloperKadmos GmbHZaPay LLC

Customer experience

Kadmos

All ratings4 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews16 reviews
Positive37.5%
Neutral6.3%
Negative56.3%

ZaPay

All ratings3 ratings
Positive66.7%
Neutral0.0%
Negative33.3%
Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

In-app purchases

None

Kadmos

No in-app purchases

None

ZaPay

No in-app purchases

Questions

Is Kadmos free?
Kadmos is free to download, with no in-app purchases.
Is ZaPay free?
ZaPay is free to download, with no in-app purchases.
Which has better reviews, Kadmos or ZaPay?
Kadmos is rated higher. Kadmos averages 5.0 out of 5 from 4 ratings, while ZaPay averages 3.7 from 3 ratings.
Do Kadmos or ZaPay have ads?
Neither Kadmos nor ZaPay shows ads.
Which is updated more often, Kadmos or ZaPay?
Kadmos ships an update every 3 weeks, and ZaPay every 11 months. Most recently, Kadmos was updated on November 3, 2026 and ZaPay on November 3, 2026.

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