Paypack Bills vs Gwiza

Paypack Bills ease the purchase and subscription of utilities using electronic payments available in Rwanda.

Gwiza is your personal money manager, built for how money actually works. TRACK WITHOUT TYPING Your MTN MoMo, Airtel Money and bank SMS become expense records automatically — a one-time setup, then every transaction logs itself. You just add the reason. Cash spending takes seconds to log by hand. A BUDGET BUILT AROUND PAYDAY Your money month starts when your salary lands, not on the 1st. Set envelopes for rent, food, transport and more, watch what's left in each, and see what's truly safe to spend today after your commitments and savings promise. KNOW WHERE YOU STAND One balance for this cycle — including cash in hand, money you're holding for others, and money you've lent out. Monthly statements show exactly where everything went. SAVE WITH PURPOSE Build your emergency fund, save toward goals, and track ibimina contributions. Gwiza shows when you'll reach each goal at your current pace. MANAGE DEBTS AND LOANS See what you owe and what's owed to you — payments, remaining balances, and payoff dates, all connected to your spending. LEARN TO INVEST Explore treasury bills, bonds, unit trusts and savings products available in Rwanda, with live market rates. Simulate returns before you commit a single franc, and track your holdings in one portfolio. ASK GWIZA A built-in money assistant that knows your numbers and answers in plain language. YOUR DATA, PROTECTED Sign in with Apple or Google, optional two-factor authentication. Gwiza is a personal finance tool for financial literacy, discipline and security. It does not provide licensed financial advice; investment information is educational