Comparison

Venmo vs zaky

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

Head to head
About

Venmo

A fast, safe, and social way to send and receive money with friends and family. Easily split bills, buy crypto, and manage your finances with integrated debit and credit cards.

Highlights
  • Send and receive money
  • Split payments among friends
  • Buy, hold, and sell cryptocurrency
  • Venmo credit and debit cards
  • Teen accounts
  • Business profiles
  • Instant transfers and direct deposit
Features
Read full description

Venmo is the fast, safe, social way to pay and get paid. Join over 90+ million people who use the Venmo app today   SEND AND RECEIVE MONEY Pay and get paid for anything from your share of rent to a gift. Add a note to each payment to share and connect with friends SPLIT A REQUEST AMONG MULTIPLE VENMO FRIENDS You can now send a payment request to multiple Venmo friends at once and customize the amount each person owes   GET REWARDED WITH THE VENMO CREDIT CARD Earn up to 3% cash back on your eligible top spend category¹ —we’ll do the math. Split card purchases with Venmo friends, and shop everywhere Visa® credit cards are accepted—online, in-store, worldwide² BUY CRYPTO WITH AS LITTLE AS $1 Buy, hold, and sell cryptocurrency right on the Venmo app. New to crypto? Learn more with in-app resources. Crypto is volatile, so it can rise and fall in value quickly. Be sure to take it at a pace you're comfortable with³ SHOP WITH THE VENMO DEBIT CARD Spend your money in Venmo everywhere Mastercard® is accepted around the globe — and earn cashback from some of your favorite spots. Terms apply: venmo.me/rewards⁴ VENMO TEEN ACCOUNTS A debit card of their very own and a Venmo account to send money to trusted friends and family⁵. All with no minimum balance or monthly fee   DO BUSINESS ON VENMO Create a business profile for your side gig, small business, or anything in between—all under your same Venmo account MANAGE YOUR MONEY Get your Venmo money in the bank within minutes using Instant Transfer⁶. Want your paycheck up to two days earlier* than your normal payday? Try Direct Deposit   ¹Use of cash back is subject to the terms of the Venmo account. See Rewards Program Terms: https://www.synchronycredit.com/gecrbterms/html/RewardsTerms.htm ²Application subject to credit approval. You must be at least 18 years old and reside in the US or its territories to apply. You must have a Venmo account in good standing, that has been open for at least 30 days prior to application The Venmo Credit Card is issued by Synchrony Bank pursuant to a license from Visa USA Inc. VISA is a registered trademark of Visa International Service Association and used under license ³Terms apply. Only available in the US and limited in certain states. Buying and selling cryptocurrency is subject to a number of risk and may result in significant losses. Venmo does not make any recommendation regarding buying or selling cryptocurrency. Consider seeking advice from your financial or tax adviser ⁴The Venmo Mastercard® is issued by The Bancorp Bank, N.A., pursuant to license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. The Bancorp Bank, N.A. is issuer of the Card only and not responsible for the associated accounts or other products, services, or offers from Venmo ⁵ The Venmo Teen Debit Card is available for eligible users 13-17 years old with parent or legal guardian sign up. Terms apply ⁶ Transfer speed depends on your bank and could take up to 30 minutes. Transfers are reviewed which may result in delays or funds being frozen or removed from your Venmo account. * The availability of Direct Deposit is subject to your employer sending paycheck information 1-2 days in advance of payday. Early access compared to standard banking practice of posting funds at settlement and subject to your employer providing pay information to the bank prior to payday. It may take up to two pay cycles for Direct Deposit to take effect. Transactions are reviewed, which may result in delays or funds being frozen or removed from your account. Emoji artwork is provided by emojitwo.github.io/, originally released as emojione.com/ by Ranks.com with contributions from the Emojitwo community and is licensed under creativecommons.org/licenses/by/4.0/legalcode Venmo 2211 N. First St., San Jose, CA 95131

About

zaky

This app simplifies financial transactions with features like money transfers, mobile recharges, and bill payments. It also offers gaming and app e-vouchers, eSIM services, and a prepaid card with control features in select regions.

Highlights
  • Send and receive money via mobile number
  • Purchase gaming and app e-vouchers
  • Local and international mobile recharge
  • Utility bill payments
  • eSIM services
  • Prepaid Visa card with control features
Features
Read full description

Zaky is the ultimate mobile payment app designed to streamline your financial transactions while adding a touch of innovation. Combining security and convenience, Zaky enables you to make the most of your smartphone for all your financial needs. Download now and explore zaky's incredible features. Features* include: 1. Send & Receive Money: Effortlessly transfer funds to friends and family using just a mobile number, making payments and receiving funds a breeze. Receive money from a zaky user or using a generated payment link with few clicks 2. Gaming & App e-Vouchers: Purchase e-vouchers for your favorite gaming, shopping, and entertainment apps, such as iTunes, PlayStation, Xbox, Amazon, Netflix, and more. 3. Local & International Mobile Recharge: Easily recharge your prepaid mobile or any international prepaid line, supporting numerous operators such as Vodafone, MTN, STC, and Orange. 4. Bill Payments: Settle your utility bills conveniently and securely through the Zaky app. 5. eSIM Services: Enjoy instant access to international cellular data eSIM services within the app. 6. Zaky Card : Benefit from a Visa prepaid card, accepted by millions of merchants locally and globally. 7. Card Control : Take charge of your Zaky card with features like balance inquiry, e-pin, lock/unlock, and transaction history. 8. Cash Rewards Management : Redeem your cash rewards program as desired, right from the app. For full details on services in your market, visit: zaky.com Iraq: Phone: 009647713847517 or hotline 6252 | Email: wecare@areeba.iq

Screenshots

Venmo4 screens
zaky4 screens

Verdict

The call

The clearest difference is review sentiment: zaky at 61% against Venmo's 15%. zaky also leads on monetization model (free vs free with in-app purchases) and iOS requirement (15.6 vs 17.0). Venmo's advantage is rating (4.8 vs 3.9) and ratings volume (15M vs 46). On price, update cadence, ads and in-app purchases 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

Venmo holds the better App Store score, 4.8 against 3.9. That said, the two scores are not equally well evidenced: Venmo has 15M ratings behind it against 46, so its average is the more settled of the two. Written reviews complicate that: 15% of Venmo's written reviews are positive against 61% of zaky's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Venmo ships an update every 11 days, zaky weekly. The most recent releases landed on September 24, 2026 and September 1, 2026 respectively.

Scorecard6 real differences · 5 level
Venmo versus zaky: the parameters behind the verdict, then further details
ParameterVenmozaky
PriceFreeFree
Rating4.8 (15M ratings) — better3.9 (46 ratings)
Positive reviews14.6% of reviews61.1% of reviews — better
Number of ratings15M — better46
Update frequencyEvery 11 daysWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
Best chart rank#5 — better
DevicesiPhone, iPadiPhone, iPod
Requires iOS17.015.6 — better
Further details — not scored
Size701 MB132 MB
Age rating12+4+
DeveloperVenmoareeba SAL

Customer experience

Venmo

All ratings15,470,759 ratings
Positive97.0%
Neutral1.4%
Negative1.7%
Written reviews7,168 reviews
Positive14.6%
Neutral3.9%
Negative81.5%

zaky

All ratings46 ratings
Positive73.9%
Neutral0.0%
Negative26.1%
Written reviews18 reviews
Positive61.1%
Neutral0.0%
Negative38.9%

Bugs and requests

Venmo

Reported bugs

4 issues
  • Payments getting declined without reason
  • Accounts being frozen or deleted unexpectedly
  • Delays in fund transfers and withdrawals
  • Inability to access own money in account

Requested features

4 requests
  • Ability to cancel transactions
  • Faster money transfers
  • Better account management tools
  • Improved customer service

zaky

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Venmo

No in-app purchases

None

zaky

No in-app purchases

Questions

Is Venmo free?
Venmo is free to download, with no in-app purchases.
Is zaky free?
zaky is free to download, with no in-app purchases.
Which has better reviews, Venmo or zaky?
Venmo is rated higher. Venmo averages 4.8 out of 5 from 15M ratings, while zaky averages 3.9 from 46 ratings.
Do Venmo or zaky have ads?
Neither Venmo nor zaky shows ads.
Which is updated more often, Venmo or zaky?
Venmo ships an update every 11 days, and zaky weekly. Most recently, Venmo was updated on September 24, 2026 and zaky on September 1, 2026.

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