# Kadmos vs ZaPay

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.

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.

## The numbers

| Metric | Kadmos | ZaPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (4 ratings)](https://appshunter.io/ios/app/kadmos/id1610743113/reviews)** | [3.7 (3 ratings)](https://appshunter.io/ios/app/zapay/id1632479997/reviews) |
| Number of ratings | **4** | 3 |
| Positive reviews | 37.5% of reviews | **50.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 11 months |
| Monetization | Ad-supported | **Free** |
| Size | 53 MB | 27 MB |
| Requires iOS | 15.1 | **13.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Kadmos GmbH](https://appshunter.io/developer/1607345840) | [ZaPay LLC](https://appshunter.io/developer/1632479999) |

## What reviewers say

### Kadmos

[App page](https://appshunter.io/ios/app/kadmos/id1610743113)

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:** Vision Pro support

**In-app purchases:** none


### ZaPay

[App page](https://appshunter.io/ios/app/zapay/id1632479997)

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

**In-app purchases:** none


## Frequently asked 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.

---

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