# Zikora vs EndowPay

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.

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

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.

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

## The numbers

| Metric | Zikora | EndowPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.4 (5 ratings)](https://appshunter.io/ios/app/zikora/id6444196255/reviews)** | [3.0 (2 ratings)](https://appshunter.io/ios/app/endowpay/id6753772231/reviews) |
| Number of ratings | **5** | 2 |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Weekly** | Every 11 days |
| Monetization | Free | Free |
| Size | 113 MB | 57 MB |
| Requires iOS | 16.0 | **15.6** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Zikora Bank Ltd](https://appshunter.io/developer/1653031591) | [EndowPay](https://appshunter.io/developer/1844938467) |

## What reviewers say

### Zikora

[App page](https://appshunter.io/ios/app/zikora/id6444196255)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### EndowPay

[App page](https://appshunter.io/ios/app/endowpay/id6753772231)

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

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*