# Spenda vs Smipay

The clearest difference is rating: Spenda at 5.0 against Smipay's 1.0. Spenda also leads on ratings volume (4 vs 1) and iOS requirement (13.0 vs 15.1). On price, update cadence, 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.

Spenda holds the better App Store score, 5.0 against 1.0. Both are backed by a comparable volume of ratings — 4 and 1 respectively.

Spenda ships an update fortnightly, Smipay every 3 weeks. The most recent releases landed on October 25, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | Spenda | Smipay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (4 ratings)](https://appshunter.io/ios/app/spenda/id1662746351/reviews)** | [1.0 (1 ratings)](https://appshunter.io/ios/app/smipay/id6760297048/reviews) |
| Number of ratings | **4** | 1 |
| Positive reviews | — | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 3 weeks |
| Monetization | Free | Free |
| Size | 20 MB | 41 MB |
| Requires iOS | **13.0** | 15.1 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Guangdong Weishi Data Technology Co., Ltd.](https://appshunter.io/developer/1599463674) | [Smipay technologies Ltd](https://appshunter.io/developer/1883692836) |

## What reviewers say

### Spenda

[App page](https://appshunter.io/ios/app/spenda/id1662746351)

Easily track your expenses and income with this intuitive app. It offers a calendar view for monthly summaries, customizable categories, and detailed statistical charts. Secure your financial data with a password lock.

**Highlights:** Fast expense/income recording, Calendar view for monthly summaries, Customizable consumption/income categories, Detailed statistical charts, Password lock for security, Budget status display

**Features:** macOS Compatibility

**In-app purchases:** none


### Smipay

[App page](https://appshunter.io/ios/app/smipay/id6760297048)

This utility platform simplifies everyday transactions. Easily top up airtime and data, or pay for essential services like cable TV and electricity. Designed for security and ease of use, it allows quick payments in just a few taps.

**Highlights:** Airtime and data top-ups, Utility bill payments, Secure login with Face ID/fingerprint, Simple and quick payment flows, Send airtime to others

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Spenda free?

Spenda is free to download, with no in-app purchases.

### Is Smipay free?

Smipay is free to download, with no in-app purchases.

### Which has better reviews, Spenda or Smipay?

Spenda is rated higher. Spenda averages 5.0 out of 5 from 4 ratings, while Smipay averages 1.0 from 1 ratings.

### Do Spenda or Smipay have ads?

Neither Spenda nor Smipay shows ads.

### Which is updated more often, Spenda or Smipay?

Spenda ships an update fortnightly, and Smipay every 3 weeks. Most recently, Spenda was updated on October 25, 2026 and Smipay on October 24, 2026.

---

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