Comparison

APS vs Kmbal

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

Head to head
About

APS

Send money internationally to The Gambia and other African countries with ease. This app offers secure and convenient online money transfers for cash pickup, bank deposits, mobile wallets, and utility top-ups. Enjoy low costs and instant transfers with real-time notifications.

Highlights
  • Instant money transfers
  • Cash pickup and bank deposit options
  • Mobile wallet and utility top-ups
  • Low fees and loyalty rewards
  • 24/7 online service
  • Secure payment technology
Features
Read full description

APS International is authorised and regulated by the relevant financial authorises and supervisory institutions in the UK, EEA Zone and the USA. APS is a leading money transfer (remittance) Company to The Gambia and other African countries. The APS app enables you to send instant money transfer and other remittance services online, in a safe, secure and convenient way, at your fingertips. All our services are available under the same app. You can send Money for cash pick-up, bank deposit, send money to mobile wallets, electricity top-up, mobile credit top-up, nduga and other innovative services. APS has an extensive pay-out branch and agency network. We make remittance collection easier for your beneficiaries through our financial inclusion drive, covering the last mile in our destination corridors. You can send money in 3 simple steps: Step 1: Enter the amount ; Step 2: Add/choose beneficiary details and Step 3: Confirm and make your payment. Why choose us? LOW COST – We have no hidden charges when you send money abroad. We have low fee’s starting from 99p with regular special offers to reward our loyal customers with zero commission transactions, through APS loyalty points. Our services are available 24/7 online via your computer, laptop, tablet or smartphone. INSTANT – Transfer worldwide where you and your recipient receive updated notifications by email and SMS for your peace of mind. SECURE – We have industry leading technology trusted for your payment security. CONVENIENCE – We offer a range of instant and convenient remittance collection. We have excellent bespoke payment solutions for our customers from world leading merchant providers. You can pay for your transaction with your Debit/Credit Card, bank to bank account transfer, Alternative Payment Methods, etc.

About

Kmbal

Send money internationally to Africa and the Middle East quickly and affordably. This service offers a user-friendly platform with dedicated support.

Highlights
  • Fast money transfers
  • Low fees
  • International remittances
  • Support for Africa and Middle East
  • Easy to use interface
  • Online and in-person support
Features
Read full description

Fast, reliable and low-fee international money transfers, to Africa and the Middle East. The Kmbal money remittance app offers fast, reliable and low-fee transfers to Africa and the Middle East. Our app is easy to use, and our support team is always on hand, both online and in our Glasgow based offices. Kmbal Ltd (SC566580) was founded in 2017. We are HMRC registered and FCA licensed.

Screenshots

APS4 screens
Kmbal4 screens

Verdict

The call

The clearest difference is review sentiment: Kmbal at 100% against APS's 19%. Kmbal also leads on rating (5.0 vs 1.9) and monetization model (free vs free with in-app purchases). APS's advantage is ratings volume (7 vs 1) and update cadence (every 3 weeks vs every 2 months). On price, ads, in-app purchases and device support 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

Kmbal holds the better App Store score, 5.0 against 1.9. That said, the two scores are not equally well evidenced: APS has 7 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 19% of APS's written reviews are positive against 100% of Kmbal's.

UpkeepUpdate frequency

APS ships an update every 3 weeks, Kmbal every 2 months. The most recent releases landed on October 30, 2026 and October 24, 2026 respectively.

Scorecard5 real differences · 5 level
APS versus Kmbal: the parameters behind the verdict, then further details
ParameterAPSKmbal
PriceFreeFree
Rating1.9 (7 ratings)5.0 (1 ratings) — better
Positive reviews18.5% of reviews100.0% of reviews — better
Number of ratings7 — better1
Update frequencyEvery 3 weeks — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.115.0 — better
Further details — not scored
Size88 MB42 MB
Age rating4+4+
DeveloperAPS International LtdKmbal Ltd

Customer experience

APS

All ratings7 ratings
Positive14.3%
Neutral0.0%
Negative85.7%
Written reviews27 reviews
Positive18.5%
Neutral3.7%
Negative77.8%

Kmbal

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews3 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

APS

No in-app purchases

None

Kmbal

No in-app purchases

Questions

Is APS free?
APS is free to download, with no in-app purchases.
Is Kmbal free?
Kmbal is free to download, with no in-app purchases.
Which has better reviews, APS or Kmbal?
Kmbal is rated higher. APS averages 1.9 out of 5 from 7 ratings, while Kmbal averages 5.0 from 1 ratings.
Do APS or Kmbal have ads?
Neither APS nor Kmbal shows ads.
Which is updated more often, APS or Kmbal?
APS ships an update every 3 weeks, and Kmbal every 2 months. Most recently, APS was updated on October 30, 2026 and Kmbal on October 24, 2026.

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