Comparison

Kali vs Crediviva

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

Head to head
About

Kali

Manage your finances without a bank account. Make secure prepaid card purchases, subscribe to digital services, pay bills, and transfer money easily. Track your daily spending all from your mobile device.

Highlights
  • Prepaid card purchases
  • Digital subscription payments
  • Bill payment and top-ups
  • Send and receive money
  • Expense tracking
  • No bank account required
Features
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Reinventamos la forma en la que haces tus pagos. Sin hacer filas, sin sucursales. Sin cuenta bancaria. Puedes comprar en tus tiendas favoritas con la tarjeta prepagada Kali Visa de manera simple y segura. También puedes suscribirte a tus plataformas digitales favoritas, pagar o recargar tus servicios en pocos pasos sin salir de casa, enviar o recibir dinero con tus contactos, conocer y controlar tus gastos diarios. Todo esto y más (mucho más), al alcance de tu mano. Desde tu bolsillo. Simple.

About

Crediviva

Acquire desired items through manageable installments with this app. It offers a 4-step digital process to use credit lines at affiliated stores and pay with QR codes. Enjoy flexible payment plans up to 24 months and exclusive 0% APR offers.

Highlights
  • Installment purchases
  • Up to 24 monthly installments
  • 0% APR offers
  • 100% digital process
  • QR code payments
  • Account management
  • Over 25 affiliated stores
Features
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Descubre la mejor manera de comprar a plazos con Crediviva. En colaboración con los principales Almacenes del país, Crediviva te brinda el poder de cumplir tus sueños al permitirte adquirir lo que siempre has deseado a través de cuotas manejables. Cómo Funciona Crediviva: Nuestro proceso es increíblemente sencillo, consta de solo 4 pasos para hacer realidad tus sueños. 1. Descarga la aplicación Crediviva y regístrate o inicia sesión. 2. Completa nuestro formulario rápido. 3. Utiliza tu línea de crédito en tus tiendas afiliadas favoritas. 4. Paga tus compras en las tiendas usando un código QR, haciendo que el proceso de pago sea fluido y conveniente. Cuotas Flexibles: Compra con comodidad, ya que tienes la flexibilidad de dividir tus pagos en hasta 24 cuotas mensuales, adaptadas a tu presupuesto y preferencias. Ofertas Exclusivas al 0% APR: Desbloquea ofertas inigualables con nuestras ofertas especiales al 0% APR, asegurando que puedas comprar con tranquilidad. Proceso 100% Digital: Experimenta un proceso totalmente digital que elimina la necesidad de una tarjeta de crédito. Tu experiencia con Crediviva es libre de complicaciones y segura. Administra Tu Cuenta: Desde tu panel de inicio, tendrás el poder de: - Verificar el saldo de tu préstamo. - Revisar tu historial de pagos. - Explorar tus tiendas favoritas y ofertas exclusivas. - Comprar en más de 25 tiendas en todo el país.

Screenshots

Kali4 screens
Crediviva4 screens

Verdict

The call

The clearest difference is rating: Kali at 5.0 against Crediviva's 4.7. On price, ratings volume, update cadence and ads 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

Kali holds the better App Store score, 5.0 against 4.7. Both are backed by a comparable volume of ratings — 4 and 7 respectively.

UpkeepUpdate frequency

Kali ships an update every 2 weeks, Crediviva every 3 weeks. The most recent releases landed on October 15, 2026 and October 24, 2026 respectively.

Scorecard1 real difference · 9 level
Kali versus Crediviva: the parameters behind the verdict, then further details
ParameterKaliCrediviva
PriceFreeFree
Rating5.0 (4 ratings) — better4.7 (7 ratings)
Positive reviews—100.0% of reviews
Number of ratings47 — better
Update frequencyEvery 2 weeks — betterEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS14.7 — better15.0
Further details — not scored
Size74 MB152 MB
Age rating17+17+
DeveloperKali Wallet IncCrediviva

Customer experience

Kali

All ratings4 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Crediviva

All ratings7 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Kali

No in-app purchases

None

Crediviva

No in-app purchases

Questions

Is Kali free?
Kali is free to download, with no in-app purchases.
Is Crediviva free?
Crediviva is free to download, with no in-app purchases.
Which has better reviews, Kali or Crediviva?
Kali is rated higher. Kali averages 5.0 out of 5 from 4 ratings, while Crediviva averages 4.7 from 7 ratings.
Do Kali or Crediviva have ads?
Neither Kali nor Crediviva shows ads.
Which is updated more often, Kali or Crediviva?
Kali ships an update every 2 weeks, and Crediviva every 3 weeks. Most recently, Kali was updated on October 15, 2026 and Crediviva on October 24, 2026.

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