Comparison

CashWise vs Kiakia P2P

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

Head to head
About

CashWise

Easily track your spending and income with this cash-book style finance app. Organize your finances into categories, view detailed breakdowns, and generate monthly statements. Upgrade for advanced features like annual statements and CSV imports.

Highlights
  • Cash-book style expense tracking
  • Categorize and break down spending
  • Generate monthly PDF statements
  • Secure encrypted vault
  • Export and import financial data
  • Demonstration mode for trying Pro features
Features
Read full description

CashWise is an easy-to-use cash-book style app, designed to help you look after your money with minimal fuss. Simply record what you spend when you spend it, and CashWise will keep track of how much money you have left. Keep track of the cash in your pocket, your savings or your debt, in any currency. CATEGORIES Get super-organised by arranging your finances into categories, then view or print them with summary totals and pie charts. BREAKDOWN A detailed breakdown lets you quickly see what you have spent money on. And with a quick search, you can view and change any transaction. STATEMENTS View and send monthly PDF statements by email, or upgrade to CashWise Pro (via a single in-app purchase) to produce annual statements and print directly to an AirPrint enabled printer. EXPORT & IMPORT Export all your financial information whenever you want, or Go Pro for the ability to export your data on a monthly or annual basis and import data from CSV files. SECURITY Your financial details are kept safe in an encrypted vault using state-of-the-art 256-bit AES encryption, simply set a passcode to restrict access. FREE vs PRO CashWise is a free app, and all the basic features will remain free forever - that is a promise. Go Pro and you can unlock all the Pro features with a single in-app purchase to: • Manage your money across several accounts at once (one account is included free). • Create recurring transactions. • Completely customise your categories (built-in categories are included free). • View an annual breakdown of your transactions (monthly breakdown is included free). • Export your financial data on a monthly or annual basis (full export is included free). • Import data from CSV files. • Produce annual PDF statements (monthly statements are included free) • Print a statement direct to an AirPrint enabled printer (emailing statements is included free) • Turn off adverts. TRY-BEFORE-YOU-BUY Try all the Pro features for free before you upgrade by using the built-in 'demonstration mode'. This also lets you show off CashWise to others without revealing your finances. NEED HELP? If you need help or want to make a suggestion, just drop us an email and we'll do our best — BeCashWise.com/Help - Be CashWise

About

Kiakia P2P

Invest in loans and businesses to earn high returns, or access fast, competitive loans. This platform connects investors with borrowers, facilitating funding with minimal bureaucracy. Earn interest or share profits on your capital.

Highlights
  • Invest in loans and businesses
  • Earn 12%-40% returns
  • Access personal and business loans
  • Automated interest and profit crediting
  • Secure online platform
  • No processing fees or hidden charges
Read full description

Earn between 12% -40% (Quarterly, Bi-annual and Per annum) by investing in loans and businesses. KiaKia is the leading and best Peer-to-Peer lending investment platform in Nigeria (Inclusive Finance Conference and Awards, 2019) KiaKia as a licensed lender originates, books, structures, facilitates and funds secured personal and business loans of between N10,000 and N100,000,000 of tenures ranging from 30 days to 24 months via its online platform. To achieve this, we essentially do what the banks do with less bureaucracy and administrative encumbrances. By lending out people’s funds. We believe that your money should work for you instead of someone else. In 2017, we launched the KiaKia P2P on this principle. We created a peer-to-peer product to aggregate funds of those who have money to invest and lent it out to those who want to borrow it. We may not offer the lounge service and marble foyer of your bank, but we exist for people who want rewarding investments. Or a competitive and speedy loan that respects the time value of money for entrepreneurs. You fund, we lend, you earn Rather than leave funds stashed and idle, you can provide it as capital which kiakia uses to fund individuals and businesses to earn interests or share profits (if that is what suits your faith). With as little as N50,000 and as high as N2,500,000, you can earn as much as 40% interest depending the tenure election. You can also share profits from the earnings of businesses in selected industries. Simple, Secure and Better earnings With over N4,500,000,000 successfully lent out through KiaKia P2P with capital provided by individuals across the world, you can be one of those who put their money to good use in order to grow without any risk of losing it as a result of the security that backs all transactions. The App is safe and secure. Users do not need to make withdrawal of interest or profit requests as interests or profits and capital are automatically credited to accounts on file. KiaKia P2P is not a savings nor payment processing service. Capital provided are lent out for individuals and businesses carefully profiled by KiaKia for interest and profit sharing. We have implemented the best grade of internet security….so, no fears. There are no processing fees nor hidden charges. What you see is what you get with us.

Screenshots

CashWise4 screens
Kiakia P2P4 screens

Verdict

The call

The clearest difference is review sentiment: CashWise at 77% against Kiakia P2P's 0%. CashWise also leads on rating (4.9 vs 3.0) and update cadence (every 5 months vs every 22 months). Kiakia P2P's advantage is in-app purchases (none vs 1) and ads (none vs shown). On price, ratings volume and device support 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. CashWise sells 1 one-off in-app purchase. Kiakia P2P asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

CashWise holds the better App Store score, 4.9 against 3.0. Both are backed by a comparable volume of ratings — 9 and 20 respectively. Written reviews point the same way: 77% of CashWise's written reviews are positive against 0% of Kiakia P2P's.

UpkeepUpdate frequency

CashWise ships an update every 5 months, Kiakia P2P every 22 months. The most recent releases landed on October 21, 2026 and October 24, 2026 respectively.

Scorecard7 real differences · 3 level
CashWise versus Kiakia P2P: the parameters behind the verdict, then further details
ParameterCashWiseKiakia P2P
PriceFreeFree
Rating4.9 (9 ratings) — better3.0 (20 ratings)
Positive reviews76.9% of reviews — better0.0% of reviews
Number of ratings920 — better
Update frequencyEvery 5 months — betterEvery 22 months
AdsYesNo — better
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS13.0 — better15.6
Further details — not scored
Size8 MB24 MB
Age rating4+4+
DeveloperAdam WasiakKiakia Bits Limited

Customer experience

CashWise

All ratings9 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews13 reviews
Positive76.9%
Neutral7.7%
Negative15.4%

Kiakia P2P

All ratings18 ratings
Positive44.4%
Neutral5.6%
Negative50.0%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

1 purchases

CashWise

One-time1
  • CashWise Pro$9.99
None

Kiakia P2P

No in-app purchases

Questions

Is CashWise free?
CashWise is free to download, with in-app purchases available.
Is Kiakia P2P free?
Kiakia P2P is free to download, with no in-app purchases.
Which has better reviews, CashWise or Kiakia P2P?
CashWise is rated higher. CashWise averages 4.9 out of 5 from 9 ratings, while Kiakia P2P averages 3.0 from 20 ratings.
Do CashWise or Kiakia P2P have ads?
CashWise shows ads; Kiakia P2P does not.
Which is updated more often, CashWise or Kiakia P2P?
CashWise ships an update every 5 months, and Kiakia P2P every 22 months. Most recently, CashWise was updated on October 21, 2026 and Kiakia P2P on October 24, 2026.

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