# ZaPay vs LendWise

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.

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.

## The numbers

| Metric | ZaPay | LendWise |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.7 (3 ratings)](https://appshunter.io/ios/app/zapay/id1632479997/reviews) | **[5.0 (3 ratings)](https://appshunter.io/ios/app/lendwise-money-tracker/id6764729120/reviews)** |
| Number of ratings | 3 | 3 |
| Positive reviews | 50.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 11 months | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 27 MB | 75 MB |
| Requires iOS | **13.0** | 16.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [ZaPay LLC](https://appshunter.io/developer/1632479999) | [Mahesh kumar Nallakuttythevar](https://appshunter.io/developer/1895894763) |

## What reviewers say

### ZaPay

[App page](https://appshunter.io/ios/app/zapay/id1632479997)

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

**In-app purchases:** none


### LendWise

[App page](https://appshunter.io/ios/app/lendwise-money-tracker/id6764729120)

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:** macOS Compatibility, Vision Pro support, iPhone Duo support

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*