Comparison

ZaPay vs LendWise

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

Head to head
About

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.

Highlights
  • Automated payments
  • Scheduled payback dates
  • In-app chat
  • Transaction history
  • Star rating system
Read full description

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

About

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.

Highlights
  • 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
Features
Read full description

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

ZaPay3 screens
LendWise4 screens

Verdict

The call

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

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

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.

UpkeepUpdate frequency

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.

Scorecard4 real differences · 6 level
ZaPay versus LendWise: the parameters behind the verdict, then further details
ParameterZaPayLendWise
PriceFreeFree
Rating3.7 (3 ratings)5.0 (3 ratings) — better
Positive reviews50.0% of reviews100.0% of reviews — better
Number of ratings33
Update frequencyEvery 11 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad
Requires iOS13.0 — better16.0
Further details — not scored
Size27 MB75 MB
Age rating4+4+
DeveloperZaPay LLCMahesh kumar Nallakuttythevar

Customer experience

ZaPay

All ratings3 ratings
Positive66.7%
Neutral0.0%
Negative33.3%
Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

LendWise

All ratings3 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

ZaPay

No in-app purchases

None

LendWise

No in-app purchases

Questions

Is ZaPay free?
ZaPay is free to download, with no in-app purchases.
Is LendWise free?
LendWise is free to download, with no in-app purchases.
Which has better reviews, ZaPay or LendWise?
LendWise is rated higher. ZaPay averages 3.7 out of 5 from 3 ratings, while LendWise averages 5.0 from 3 ratings.
Do ZaPay or LendWise have ads?
Neither ZaPay nor LendWise shows ads.
Which is updated more often, ZaPay or LendWise?
ZaPay ships an update every 11 months, and LendWise every 3 weeks. Most recently, ZaPay was updated on November 3, 2026 and LendWise on November 9, 2026.

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