Comparison

KOWRI vs AsaanaPay

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

Head to head
About

KOWRI

This app simplifies financial management and payments across Africa. It allows users to link various accounts, make secure payments for bills and services, transfer money instantly, and discover local businesses. The platform also offers tools for wealth planning, subscription management, and spending tracking.

Highlights
  • Link bank accounts, mobile money, and cards
  • Secure bill payments (electricity, water, insurance)
  • Instant money transfers
  • QR code payments
  • Discover local businesses
  • Personalized financial insights
  • Automate recurring payments
Read full description

Kowri: The Way to Pay Kowri is your intelligent financial companion, created to simplify payments and revolutionize how you manage money across Africa. We built Kowri because financial management shouldn’t be stressful. From delayed transactions to poor support and fragmented services, we’ve all been there. Kowri changes that. Designed to work securely, seamlessly, and intelligently, Kowri is the way to pay. Everything in One App Kowri is more than a payments app—it’s a platform that connects your entire financial world. Whether you’re paying for utilities, transferring money, managing subscriptions, or buying car insurance, Kowri gives you the tools to handle it all in one place. What You Can Do with Kowri • Link All Your Accounts: Connect your bank accounts, mobile money wallets, and debit or credit cards for seamless transactions. • Make Secure Payments: Pay bills like electricity, water, or car insurance, all from your app. • Send Money Anywhere: Transfer money instantly to Kowri users, bank accounts, or mobile money wallets. • QR Code Payments: Share or receive payments effortlessly with your personal QR code. • Discover Businesses Nearby: Find and transact with local businesses that accept Kowri. • Plan for Wealth: Get personalized insights, automate recurring payments, and track your spending trends—all from a beautifully redesigned dashboard. Say goodbye to frustration. Say hello to Kowri. Download now and experience the smarter way to pay and grow your wealth. [:mav: 3.5.1]

About

AsaanaPay

This app incentivizes digital payments with cashback rewards and personalized offers. It provides a digital record of spending that can serve as proof of income and offers offline payment options for users with limited internet access.

Highlights
  • Cashback rewards on digital payments
  • Personalized offers and discounts
  • Digital spend history
  • Proof of income statements
  • Offline payment via USSD
Read full description

AsaanaPay is a mobile payments powered rewards and spend history building app developed to sustainably promote the cash-lite shift. AsaanaPay rewards customers for choosing digital payments over cash. AsaanaPay uses Machine Learning (ML) and other technologies to dynamically recommend offers, deals and promotions based on customers' profiles. Cash back rewards (not points) are cumulative, can be used for future transactions and can be redeemed and/or shared with friends & family seamlessly. Benefits: - Cash back rewards - Digital spend history - History statements serve as proof of income - Special offers and discounts from channel partners & merchants. No Smartphone or No / Low Internet? Dial *2050# to pay without internet. *2050# is a text menu mini-app exclusive to MTN Ghana customers) Feedback? Fill in-app form, email feedback@asaanapay.com or DM @asaanapay Side Hustle / Business Owner? Download AsaanaPay Business now. Also request the AsaanaPay APIs to embed rewards and offers in your business site, app and channels. Email api@asaanapay.com to get started. Info: Africa - https://africa.asaanapay.com Global - https://global.asaanapay.com

Screenshots

KOWRI4 screens
AsaanaPay4 screens

Verdict

The call

The clearest difference is rating: AsaanaPay at 5.0 against KOWRI's 4.5. AsaanaPay also leads on monetization model (free vs free with in-app purchases). KOWRI's advantage is ratings volume (123 vs 2) and update cadence (every 2 weeks vs monthly). 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

AsaanaPay holds the better App Store score, 5.0 against 4.5. That said, the two scores are not equally well evidenced: KOWRI has 123 ratings behind it against 2, so its average is the more settled of the two.

UpkeepUpdate frequency

KOWRI ships an update every 2 weeks, AsaanaPay monthly. Both last shipped on November 3, 2026.

Scorecard4 real differences · 6 level
KOWRI versus AsaanaPay: the parameters behind the verdict, then further details
ParameterKOWRIAsaanaPay
PriceFreeFree
Rating4.5 (123 ratings)5.0 (2 ratings) — better
Positive reviews30.0% of reviews—
Number of ratings123 — better2
Update frequencyEvery 2 weeks — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.515.1 — better
Further details — not scored
Size102 MB24 MB
Age rating12+4+
DeveloperDreamOval Ltd.AsaanaPay Inc

Customer experience

KOWRI

All ratings122 ratings
Positive86.1%
Neutral4.1%
Negative9.8%
Written reviews10 reviews
Positive30.0%
Neutral0.0%
Negative70.0%

AsaanaPay

All ratings3 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

KOWRI

No in-app purchases

None

AsaanaPay

No in-app purchases

Questions

Is KOWRI free?
KOWRI is free to download, with no in-app purchases.
Is AsaanaPay free?
AsaanaPay is free to download, with no in-app purchases.
Which has better reviews, KOWRI or AsaanaPay?
AsaanaPay is rated higher. KOWRI averages 4.5 out of 5 from 123 ratings, while AsaanaPay averages 5.0 from 2 ratings.
Do KOWRI or AsaanaPay have ads?
Neither KOWRI nor AsaanaPay shows ads.
Which is updated more often, KOWRI or AsaanaPay?
KOWRI ships an update every 2 weeks, and AsaanaPay monthly. Most recently, KOWRI was updated on November 3, 2026 and AsaanaPay on November 3, 2026.

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