# PayPal vs Kachinga

The clearest difference is rating: PayPal at 4.8 against Kachinga's 3.8. PayPal also leads on monetization model (free with in-app purchases vs subscription) and ratings volume (6.3M vs 69). Kachinga's advantage is review sentiment (59% vs 21%) and device support (3 vs 1). On price, ads, in-app purchases and iOS requirement there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

PayPal holds the better App Store score, 4.8 against 3.8. That said, the two scores are not equally well evidenced: PayPal has 6.3M ratings behind it against 69, so its average is the more settled of the two. Written reviews complicate that: 21% of PayPal's written reviews are positive against 59% of Kachinga's, so the app with the better star average is not the one people write more warmly about.

PayPal ships an update weekly, Kachinga every 5 weeks. The most recent releases landed on September 27, 2026 and September 18, 2026 respectively.

## The numbers

| Metric | PayPal | Kachinga |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (6.3M ratings)](https://appshunter.io/ios/app/paypal-pay-send-save/id283646709/reviews)** | [3.8 (69 ratings)](https://appshunter.io/ios/app/kachinga/id1470044737/reviews) |
| Number of ratings | **6.3M** | 69 |
| Positive reviews | 21.4% of reviews | **58.8% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | Yes |
| Update frequency | **Weekly** | Every 5 weeks |
| Monetization | **Free with in-app purchases** | Subscription |
| Best chart rank | **#6** | — |
| Size | 767 MB | 191 MB |
| Requires iOS | 17.4 | **16.0** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [PayPal, Inc.](https://appshunter.io/developer/283646712) | [Kachinga, Inc.](https://appshunter.io/developer/1500112664) |

## What reviewers say

### PayPal

[App page](https://appshunter.io/ios/app/paypal-pay-send-save/id283646709)

**Currently charting:** #6 Top Free · Finance, #76 Top Free (US App Store)

Manage your finances with a secure app for online and in-store shopping, sending money globally, and earning cash back. It also offers savings accounts, cryptocurrency trading, and package tracking.

**Highlights:** Send and receive money globally, Earn cash back offers, Request a debit card, Buy, sell, and hold cryptocurrency, High-yield savings accounts, Track packages

**Features:** Safari Extension, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Extremely effective and reliable crypto recovery service
- 🔒 Secure payment processing
- 💰 Convenient way to send and receive money
- 👍 Easy to use app with simple interface

**What reviewers complain about**

- 🐛 Inconsistent customer support responses
- 🕰️ Slow money transfer times
- 💳 Holds on funds for new accounts
- 🤖 Overly automated with lack of human interaction

**Reported bugs**

- Account limitations and freezes with unclear reasons
- Issues linking bank accounts and cards
- Problems with refunds and chargebacks

**Requested features**

- Faster money transfers
- More transparent policies and fees
- Improved dispute resolution process
- Better customer service accessibility


### Kachinga

[App page](https://appshunter.io/ios/app/kachinga/id1470044737)

This app helps parents teach children financial literacy through an allowance and savings management system. It combines a debit card for kids with parental controls, allowing real-world money experience in a secure environment.

**Highlights:** Allowance and chore management, Savings goal setting, Secure debit card for kids, Parental controls and spending transparency, Financial literacy guidance, Real-time notifications

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is PayPal free?

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

### Is Kachinga free?

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

### Which has better reviews, PayPal or Kachinga?

PayPal is rated higher. PayPal averages 4.8 out of 5 from 6.3M ratings, while Kachinga averages 3.8 from 69 ratings.

### Do PayPal or Kachinga have ads?

Both PayPal and Kachinga show ads.

### Which is updated more often, PayPal or Kachinga?

PayPal ships an update weekly, and Kachinga every 5 weeks. Most recently, PayPal was updated on September 27, 2026 and Kachinga on September 18, 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.*