Comparison

JCCB mPay vs Setld.

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

Head to head
About

JCCB mPay

Features
Read full description

JCCB Mobile Bank application allows you to access your bank account using your registered Mobile Phone. Using JCCB Mobile Bank application, you can view account related information like Balance Enquiry and Mini Statement, Transfer Funds, Manage Beneficiaries and Raise service requests.

About

Setld.

Features
Read full description

Setld is the easiest way to pay friends, split bills, and order at your favourite spots, all in one app, built for South Africa. Whether you're settling up after dinner, sending a mate their half of the Uber, or skipping the queue at your local coffee shop, Setld keeps your money moving and your friendships drama-free. PAY FRIENDS INSTANTLY • Send and request money in a simple chat, it settles the moment you tap. • No more "I'll EFT you later." Pay your share on the spot. • See exactly who owes who, and clear a debt in one tap. SPLIT ANY BILL, FAIRLY • Scan a bill and tap the items you actually had. • Everyone pays only their share, no awkward maths, no one short. • Add a tip at checkout, your way. SCAN. ORDER. SKIP THE QUEUE. • Scan the QR at your table or the counter to see the menu. • Order and pay from your phone, takeaway is paid up front, sit-down runs as a tab you split at the end. • Invite friends to the table so everyone orders onto one bill. A WALLET THAT KEEPS UP • Top up securely by card, powered by Yoco. • Watch your balance update in real time across every screen. • Withdraw to your bank whenever you like. BUILT AROUND YOUR FRIENDS • Group chats for trips, housemates and regular crews. • Keep a running tab with the people you see most. • Activity feed so nothing slips through the cracks. Setld is made for the way South Africans actually go out, split, pay, order and settle, without the spreadsheet. Download Setld and never chase a friend for money again.

Screenshots

JCCB mPay4 screens
Setld.4 screens

Verdict

The call

The clearest difference is update cadence: Setld. at every 4 days against JCCB mPay's every 7 months. JCCB mPay's advantage is iOS requirement (12.0 vs 15.0). On price, ads, in-app purchases 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. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

JCCB mPay ships an update every 7 months, Setld. every 4 days. The most recent releases landed on October 8, 2026 and October 16, 2026 respectively.

Scorecard2 real differences · 4 level
JCCB mPay versus Setld.: the parameters behind the verdict, then further details
ParameterJCCB mPaySetld.
PriceFreeFree
Update frequencyEvery 7 monthsEvery 4 days — better
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPodiPhone, iPod
Requires iOS12.0 — better15.0
Further details — not scored
Size61 MB4 MB
Age rating4+4+
DeveloperThe Jaipur Central Cooperative Bank Ltd.BENNO LUTZ VAN DER MERWE

In-app purchases

None

JCCB mPay

No in-app purchases

None

Setld.

No in-app purchases

Questions

Is JCCB mPay free?
JCCB mPay is free to download, with no in-app purchases.
Is Setld. free?
Setld. is free to download, with no in-app purchases.
Do JCCB mPay or Setld. have ads?
Neither JCCB mPay nor Setld. shows ads.
Which is updated more often, JCCB mPay or Setld.?
JCCB mPay ships an update every 7 months, and Setld. every 4 days. Most recently, JCCB mPay was updated on October 8, 2026 and Setld. on October 16, 2026.

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