Comparison

Zikora vs EndowPay

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

Head to head
About

Zikora

Manage your finances with this banking app. Easily transfer funds, purchase airtime and data, and set aside savings. It offers a secure and convenient way to handle your money on the go.

Highlights
  • Money transfers
  • Airtime purchase
  • Data plan recharge
  • Savings features
  • Secure banking
Features
Read full description

Zikora makes everyday banking simple, convenient, and accessible. Manage your money, make payments, transfer funds, and stay in control of your finances—all from your mobile device. With Zikora, you can: Send and receive money with ease Transfer funds to bank accounts Manage your Zikora account View your account balance and transaction history Make payments conveniently Manage your beneficiaries Stay updated with your transactions Enjoy a simple, secure, and intuitive banking experience Whether you're sending money, making payments, or keeping track of your finances, Zikora gives you the tools you need to manage your banking on the go. Bank smarter. Bank simpler. Bank with Zikora.

About

EndowPay

This app simplifies daily financial transactions, allowing users to manage payments, bills, and gift cards from a single platform. It offers instant mobile top-ups, bill payments, and secure gift card management for convenience.

Highlights
  • Instant airtime and mobile data top-ups
  • Hassle-free electricity and cable TV bill payments
  • Secure betting account funding
  • Easy gift card sending and redemption
  • Single app for transport payments
Read full description

EndowPay – Your All-in-One Digital Wallet for Everyday Payments EndowPay is a fast, secure, and reliable Nigerian fintech app designed to simplify your daily payments. With just a few taps, you can manage all your essential transactions in one place. - Top up airtime & buy mobile data instantly - Pay electricity & cable TV bills without hassle - Fund betting accounts securely - Send and redeem gift cards with ease - Pay for transport & more from a single app Whether you’re recharging your phone, paying household bills, or sending a quick gift, EndowPay gives you the convenience, speed, and security you need. Take control of your payments today — download EndowPay and experience stress-free transactions anytime, anywhere.

Screenshots

Zikora4 screens
EndowPay4 screens

Verdict

The call

The clearest difference is rating: Zikora at 4.4 against EndowPay's 3.0. On price, ratings volume, update cadence and ads 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

Zikora holds the better App Store score, 4.4 against 3.0. Both are backed by a comparable volume of ratings — 5 and 2 respectively.

UpkeepUpdate frequency

Zikora ships an update weekly, EndowPay every 11 days. The most recent releases landed on September 24, 2026 and July 17, 2026 respectively.

Scorecard1 real difference · 8 level
Zikora versus EndowPay: the parameters behind the verdict, then further details
ParameterZikoraEndowPay
PriceFreeFree
Rating4.4 (5 ratings) — better3.0 (2 ratings)
Number of ratings5 — better2
Update frequencyWeekly — betterEvery 11 days
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.015.6 — better
Further details — not scored
Size113 MB57 MB
Age rating4+4+
DeveloperZikora Bank LtdEndowPay

Customer experience

Zikora

All ratings5 ratings
Positive80.0%
Neutral0.0%
Negative20.0%

EndowPay

All ratings2 ratings
Positive50.0%
Neutral0.0%
Negative50.0%

In-app purchases

None

Zikora

No in-app purchases

None

EndowPay

No in-app purchases

Questions

Is Zikora free?
Zikora is free to download, with no in-app purchases.
Is EndowPay free?
EndowPay is free to download, with no in-app purchases.
Which has better reviews, Zikora or EndowPay?
Zikora is rated higher. Zikora averages 4.4 out of 5 from 5 ratings, while EndowPay averages 3.0 from 2 ratings.
Do Zikora or EndowPay have ads?
Neither Zikora nor EndowPay shows ads.
Which is updated more often, Zikora or EndowPay?
Zikora ships an update weekly, and EndowPay every 11 days. Most recently, Zikora was updated on September 24, 2026 and EndowPay on July 17, 2026.

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