Comparison

PGPay vs goCredex

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

Head to head
About

PGPay

Features
Read full description

Simple and helpful way to pay and manage your money. A digital wallet that makes managing your online payment quick and easy. With PGPay account, you can receive, send and spend money all in just one account. You can top up your account in different ways that suit you. Your funds are then available to spend how you want. โ€‹

About

goCredex

Features
Read full description

Meet the Credex app โ€“ your go to mobile solution for getting early access to your hard earned cash whenever you need it, even before payday! Say goodbye to financial stress and hello to a boost in productivity with this handy Earned Wage Access (EWA) platform. Why You'll Love Credex: Financial Freedom: Skip the high-interest loans and handle unexpected expenses with ease. Stress Buster: Ease your money worries, improve your mental health, and stay focused at work. Smart Budgeting: Manage your finances better, pay bills on time, and avoid late fees. Awesome Features: Easy Sign-Up: Get started in no time with a quick and smooth registration process. Instant Access: Withdraw your salary directly through the app. Fast and hassle-free. Track Everything: Keep an eye on your transactions and balance with detailed records. Up-to-Date Info: Check your available balance for withdrawal anytime. Download Statements: Grab monthly withdrawal statements for easy financial planning. Discover how Credex can make your financial life simpler and more flexible. For more info, visit www.credex.my

Screenshots

PGPay3 screens
goCredex4 screens

Verdict

The call

The clearest difference is update cadence: PGPay at every 5 days against goCredex's every 2 months. PGPay also leads on iOS requirement (10.0 vs 13.0). On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price ยท Rating ยท Positive reviews ยท Number of ratings ยท Update frequency ยท Ads ยท In-app purchases ยท Monetization ยท Best chart rank ยท Devices ยท Requires iOS

CostPrice ยท In-app purchases ยท Ads ยท Monetization

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

UpkeepUpdate frequency

PGPay ships an update every 5 days, goCredex every 2 months. The most recent releases landed on September 29, 2026 and October 8, 2026 respectively.

Scorecard2 real differences ยท 4 level
PGPay versus goCredex: the parameters behind the verdict, then further details
ParameterPGPaygoCredex
PriceFreeFree
Update frequencyEvery 5 days โ€” betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPodiPhone, iPod
Requires iOS10.0 โ€” better13.0
Further details โ€” not scored
Size54 MB37 MB
Age rating4+17+
DeveloperPublic GoldBayo Credex Sdn Bhd

In-app purchases

None

PGPay

No in-app purchases

None

goCredex

No in-app purchases

Questions

Is PGPay free?
PGPay is free to download, with no in-app purchases.
Is goCredex free?
goCredex is free to download, with no in-app purchases.
Do PGPay or goCredex have ads?
Neither PGPay nor goCredex shows ads.
Which is updated more often, PGPay or goCredex?
PGPay ships an update every 5 days, and goCredex every 2 months. Most recently, PGPay was updated on September 29, 2026 and goCredex on October 8, 2026.

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