Comparison

Zap by Paystack vs FunZ

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

Head to head
About

Zap by Paystack

Send money to any bank account in Nigeria with ease. Enjoy a fast, secure, and reliable platform for all your transfer needs. The app offers a hassle-free onboarding process for a seamless start.

Highlights
  • Seamless onboarding
  • Fast bank transfers
  • Secure transactions
  • Reliable platform
  • Send money to any Nigerian bank
Features
Read full description

Zap is built by Paystack to do one thing well: make spending effortless, reliable and organized, every single time. Backed by the infrastructure powering thousands of Nigeria's most trusted businesses. Here's what that looks like in practice.
 NO BLOAT. JUST CLEAN, FAST PAYMENTS • Zap is designed to be clutter-free. No unnecessary screens, no confusing menus, just a clean, super-fast payment experience that gets out of your way.
 FINALLY KNOW WHERE YOUR MONEY GOES • Zap automatically categorises your spending and surfaces insights about your financial habits. See patterns, track what matters, and stop guessing at the end of the month.
 PAY LIKE A LOCAL WITH APPLE PAY • Visiting Nigeria? Use Apple Pay to send money to any Nigerian bank account. No local bank account needed, no currency conversion hassle. Pay like a local from the moment you land. PAY A WIDE RANGE OF BILLS • With Zap, you can buy data and airtime, pay for electricity, renew DSTV, get Apple and PlayStore gift cards, and top up your XBOX, PS5, and mobile games without leaving the Zap app. PAY THE SAME PEOPLE FASTER • Zap remembers everyone you pay. Repeat any transfer in two taps without re-entering account numbers. SCAN TO PAY • Point your camera at any account number, whether on a payment decal, receipt, invoice, or phone screen, and Zap reads the digits and finds the bank for you. No more typing long numbers or second-guessing. ALL YOUR BANKS, ONE APP • Connect whichever banks you use and move money from them without switching apps. 
 PAY AT ANY PAYSTACK CHECKOUT • Zap works natively at thousands of Paystack-powered businesses across Nigeria. Pay directly from Zap with just a few taps. It’s faster than any other payment method. FAST, RELIABLE AND SECURE EVERY TIME • Built on Paystack's infrastructure, every transfer is encrypted and protected. Your money moves securely, and when it lands, you'll know immediately. Zap is not a bank. Deposits are held with our licensed banking partner. Zap is a product of Paystack Payments Limited, licensed by the Central Bank of Nigeria.

About

FunZ

Manage your money, pay bills, and book event tickets all in one place. Send and receive payments easily, earn rewards, and enjoy a secure, personalized experience.

Highlights
  • Wallet and virtual account management
  • Easy money transfers
  • Request payments
  • Pay bills and top-up services
  • Event ticketing
  • Earn rewards and perks
  • Top-notch security features
Features
Read full description

Welcome to FunZ – the app that makes managing your finances and enjoying life’s best moments effortless. Whether you’re sending money, paying bills, booking event tickets, or earning rewards, FunZ is your all-in-one platform for a seamless experience. What You’ll Enjoy with FunZ: Wallet & Virtual Account: Top up via card or transfer and manage your funds like a pro. Money Transfers Made Easy: With our FunZ app, you can send money to friends and family with the FunZ tags or directly to bank accounts. Save beneficiaries for faster transactions. Request Payments: Get paid faster with personalized request links or QR codes. Pay Bills & More: From airtime to internet, electricity, and even event tickets, FunZ has you covered. Event Ticketing: Buy and gift event tickets effortlessly. Personalized Experience: Customize your profile with avatars and preferences. Earn Rewards: Build FunZScore, refer friends, and enjoy exclusive perks. Top-Notch Security: Secure your account with Face ID, Touch ID, passwords, and transaction pins. Always Here for You: Access our live chat, email support, or social media anytime you need help. Benefits: - One app for all your financial and lifestyle needs. - Secure and user-friendly interface. - Exclusive rewards and features tailored for you. - Save time and enjoy life more with streamlined processes. Contact Us: Got questions or need support? We’re here for you! Email: support@funzweb.com Phone: Website: funzweb.com Follow us on social media for updates and offers! @FunZ_ng Download FunZ today and redefine convenience in your daily life!

Screenshots

Zap by Paystack4 screens
FunZ4 screens

Verdict

The call

The clearest difference is rating: FunZ at 5.0 against Zap by Paystack's 4.3. FunZ also leads on ads (none vs shown) and monetization model (free vs ad-supported). Zap by Paystack's advantage is ratings volume (24 vs 2). On price, update cadence, 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.

ReceptionRating · Positive reviews · Number of ratings

FunZ holds the better App Store score, 5.0 against 4.3. That said, the two scores are not equally well evidenced: Zap by Paystack has 24 ratings behind it against 2, so its average is the more settled of the two.

UpkeepUpdate frequency

Zap by Paystack ships an update every 2 weeks, FunZ weekly. The most recent releases landed on November 3, 2026 and October 30, 2026 respectively.

Scorecard4 real differences · 6 level
Zap by Paystack versus FunZ: the parameters behind the verdict, then further details
ParameterZap by PaystackFunZ
PriceFreeFree
Rating4.3 (24 ratings)5.0 (2 ratings) — better
Positive reviews61.5% of reviews—
Number of ratings24 — better2
Update frequencyEvery 2 weeksWeekly — better
AdsYesNo — better
In-app purchasesNoNo
MonetizationAd-supportedFree — better
DevicesiPhoneiPhone, iPod — better
Requires iOS16.015.0 — better
Further details — not scored
Size62 MB59 MB
Age rating17+4+
DeveloperPaystack Payments LimitedFUNZUSA LLC

Customer experience

Zap by Paystack

All ratings24 ratings
Positive83.3%
Neutral0.0%
Negative16.7%
Written reviews13 reviews
Positive61.5%
Neutral7.7%
Negative30.8%

FunZ

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Zap by Paystack

No in-app purchases

None

FunZ

No in-app purchases

Questions

Is Zap by Paystack free?
Zap by Paystack is free to download, with no in-app purchases.
Is FunZ free?
FunZ is free to download, with no in-app purchases.
Which has better reviews, Zap by Paystack or FunZ?
FunZ is rated higher. Zap by Paystack averages 4.3 out of 5 from 24 ratings, while FunZ averages 5.0 from 2 ratings.
Do Zap by Paystack or FunZ have ads?
Zap by Paystack shows ads; FunZ does not.
Which is updated more often, Zap by Paystack or FunZ?
Zap by Paystack ships an update every 2 weeks, and FunZ weekly. Most recently, Zap by Paystack was updated on November 3, 2026 and FunZ on October 30, 2026.

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