ZaPay vs LendWise
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Automated payments
- Scheduled payback dates
- In-app chat
- Transaction history
- Star rating system
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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
LendWise
Easily track money lent, borrowed, and shared with friends. Features include interest calculation, payment reminders, and bill splitting with multiple methods. Offers multi-currency support and privacy-focused local data storage.
- Track lent and borrowed money
- Calculate interest and partial payments
- Set due dates and send reminders
- Split bills equally or by custom amounts
- Scan bills with camera
- Multi-currency support
- Local data storage and encrypted backup
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LendWise keeps track of the money you lend, borrow and share, all in one app. It's simple, private and free of ads. LEND & BORROW • Record money you lent or borrowed, with names, notes and attached receipts • Add interest: daily, monthly or yearly • Track partial payments and see the balance reduce • Set due dates and get payment reminders • Remind people by WhatsApp, SMS or call • Archive, restore or permanently delete records • Import from CSV, and export reports as PDF or CSV SPLITBILL • Create groups and add friends from your contacts • Split equally, by items, exact amounts, percentages or shares • Scan a bill with your camera. Text is read on your device, so no internet is needed • See who owes whom, in groups and one to one • Simplify debts automatically • Record settlements and send payment reminders BUILT FOR EVERYONE • Available in English, Hindi, Bengali, Gujarati, Kannada, Malayalam, Marathi, Punjabi, Tamil and Telugu • Works with multiple currencies, including ₹, $, €, £, AED, S$, A$, C$ and ¥ • Optional PIN or Face ID / fingerprint lock PRIVATE BY DESIGN • Your data stays on your device. We don't collect it, upload it or share it • No ads, no subscriptions and no sign-up • Encrypted backup and restore to a file you control Questions or feedback? Write to contactus.samrudhiventures@gmail.com
Screenshots
Verdict
The clearest difference is review sentiment: LendWise at 100% against ZaPay's 50%. LendWise also leads on rating (5.0 vs 3.7) and update cadence (every 3 weeks vs every 11 months). ZaPay's advantage is iOS requirement (13.0 vs 16.0). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
LendWise holds the better App Store score, 5.0 against 3.7. Both are backed by a comparable volume of ratings — 3 and 3 respectively. Written reviews point the same way: 50% of ZaPay's written reviews are positive against 100% of LendWise's.
ZaPay ships an update every 11 months, LendWise every 3 weeks. The most recent releases landed on November 3, 2026 and November 9, 2026 respectively.
| Parameter | ZaPay | LendWise |
|---|---|---|
| Price | Free | Free |
| Rating | 3.7 (3 ratings) | 5.0 (3 ratings) — better |
| Positive reviews | 50.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 3 | 3 |
| Update frequency | Every 11 months | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 13.0 — better | 16.0 |
| Further details — not scored | ||
| Size | 27 MB | 75 MB |
| Age rating | 4+ | 4+ |
| Developer | ZaPay LLC | Mahesh kumar Nallakuttythevar |
Customer experience
ZaPay
LendWise
In-app purchases
ZaPay
No in-app purchases
LendWise
No in-app purchases









