# KrillPay vs Kem App

KrillPay and Kem App both sit at 4.4 stars, but that hides the real split: 100% of KrillPay's written reviews are positive against 54% of Kem App's. KrillPay also leads on monetization model (free vs free with in-app purchases) and update cadence (weekly vs fortnightly). Kem App's advantage is ratings volume (31 vs 8). On price, rating, 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.

KrillPay holds the better App Store score, 4.4 against 4.2. Both are backed by a comparable volume of ratings — 8 and 31 respectively. Written reviews point the same way: 100% of KrillPay's written reviews are positive against 54% of Kem App's.

KrillPay ships an update weekly, Kem App fortnightly. The most recent releases landed on October 24, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | KrillPay | Kem App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.4 (8 ratings)](https://appshunter.io/ios/app/krillpay/id1671897398/reviews)** | [4.2 (31 ratings)](https://appshunter.io/ios/app/kem-app/id6739941056/reviews) |
| Number of ratings | 8 | **31** |
| Positive reviews | **100.0% of reviews** | 54.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Weekly** | Fortnightly |
| Monetization | **Free** | Free with in-app purchases |
| Size | 53 MB | 112 MB |
| Requires iOS | **12.1** | 15.1 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 17+ | 17+ |
| Developer | [Krillpay](https://appshunter.io/developer/1671897400) | [KEM LLC](https://appshunter.io/developer/1682114841) |

## What reviewers say

### KrillPay

[App page](https://appshunter.io/ios/app/krillpay/id1671897398)

This app provides a digital wallet and financial services for migrants and the unbanked. It allows users to open an FDIC-insured account with just a valid ID, receive payments, send money internationally, and make purchases using a debit card.

**Highlights:** Open digital account with valid ID, Receive direct deposits, Send money internationally, Scan to pay at merchants, Use branded debit card, Borderless money transfers

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

**In-app purchases:** none


### Kem App

[App page](https://appshunter.io/ios/app/kem-app/id6739941056)

Send, spend, and manage cryptocurrencies like USDT, Bitcoin, and Ethereum with ease. Make global payments, swap between digital assets and local currencies, and use crypto like cash with virtual cards and QR payments. Secure, fast, and flexible for everyday transactions.

**Highlights:** Send USDT, Bitcoin, Ethereum instantly, Global payments with real-time conversion, Swap between crypto, gold, and local currencies, Spend crypto with virtual cards, Pay with QR codes, Withdraw to external wallets/bank accounts, Advanced security features

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is KrillPay free?

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

### Is Kem App free?

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

### Which has better reviews, KrillPay or Kem App?

KrillPay is rated higher. KrillPay averages 4.4 out of 5 from 8 ratings, while Kem App averages 4.2 from 31 ratings.

### Do KrillPay or Kem App have ads?

Neither KrillPay nor Kem App shows ads.

### Which is updated more often, KrillPay or Kem App?

KrillPay ships an update weekly, and Kem App fortnightly. Most recently, KrillPay was updated on October 24, 2026 and Kem App on October 28, 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.*