Comparison

SalaamPay vs HantiFlow

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

Head to head
About

SalaamPay

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SalaamPay is the official mobile banking and wallet app from Salaam Bank. Send money. Pay bills. Open or link a bank account. Manage cards. All from your phone. What you can do - Send money to any SalaamPay wallet, M-Pesa, Airtel, or MTN number - Send across Kenya and Uganda - Send straight to a bank account (Pesalink, RTGS, bank transfer) - Pay merchants by scanning a QR code or entering a merchant ID - Pay utility bills - Buy airtime and data bundles - Top up your wallet from a bank account or card - Withdraw cash to your bank account - Open a new Salaam Bank account or link an existing one - Request and manage Salaam Bank cards: physical or virtual - Browse Sharia-compliant savings and investment products Built for security - a Wallet PIN and Bank PIN used to access the app and confirm transactions - Face ID, Touch ID, or fingerprint sign-in - End-to-end encryption on every transaction - Save and share transaction receipts Built for customers of Salaam Bank in Kenya and Uganda.

About

HantiFlow

Features
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HantiFlow — Personal & Business Finance HantiFlow brings your personal and business finances together in one powerful, intelligent financial management platform. Track your money, understand your financial health, plan ahead, manage your wealth, and get personalized guidance—all from one place. Personal Finance Take control of your everyday finances with a clear and intuitive dashboard. • Track income and expenses • Monitor spending and cash flow • Organize transactions by category • Manage accounts and cards • Set and track financial goals • Track money you owe and money owed to you • Understand your financial trends and spending habits Wealth Management Get a complete view of your financial position. • Track your net worth over time • Manage accounts and transfers • Track assets and liabilities • Monitor your wealth growth • Understand how your financial position changes over time AI Financial Coach Turn your financial data into actionable guidance with your personal AI Financial Coach. • Get personalized financial insights • Monitor your Financial Health Score • Discover potential financial risks and opportunities • Receive smart recommendations • Analyze spending, savings, cash flow, and income stability • Get guidance to help you make smarter financial decisions Financial Planning Stay ahead of your financial commitments instead of reacting to them. • Track upcoming payments • Manage recurring expenses and subscriptions • Monitor financial commitments • Plan for future expenses • See what payments are coming and when Business Finance Manage your business finances in a dedicated workspace. • Track business income and expenses • Monitor revenue and cash flow • Manage customers and vendors • Create and manage invoices • Track payments and outstanding balances • Manage inventory and stock levels • Track business assets and liabilities • Analyze business performance • Generate financial reports and insights Smart Notifications HantiFlow helps you stay informed with intelligent and timely notifications. Receive relevant reminders and alerts about important financial activity, upcoming payments, financial goals, and other events that need your attention. Financial Insights & Reports Understand your finances through visual dashboards, analytics, trends, category breakdowns, and detailed financial reports. Whether you're managing your personal finances, working as a freelancer, or running a growing business, HantiFlow gives you the tools to stay organized, plan ahead, and make smarter financial decisions. Key Features • Personal finance management • Business financial management • AI Financial Coach • Financial Health Score • Wealth and net worth tracking • Financial planning • Money owed tracking • Smart notifications • Spending and cash flow insights • Financial goals • Accounts and cards • Assets and liabilities • Business customers and vendors • Invoices and payments • Inventory management • Financial reports and analytics • Secure cloud data storage HantiFlow — understand your money, plan your future, and manage your finances with confidence. --- Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://hantiflow.com/privacy

Screenshots

SalaamPay4 screens
HantiFlow4 screens

Verdict

The call

The clearest difference is in-app purchases: SalaamPay at none against HantiFlow's 4. HantiFlow's advantage is update cadence (every 2 weeks vs monthly). On price, ads, device support and iOS requirement 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. HantiFlow sells 4 in-app purchases, starting at $3.00 per month. SalaamPay asks for nothing beyond the download.

UpkeepUpdate frequency

SalaamPay ships an update monthly, HantiFlow every 2 weeks. Both last shipped on October 25, 2026.

Scorecard2 real differences · 4 level
SalaamPay versus HantiFlow: the parameters behind the verdict, then further details
ParameterSalaamPayHantiFlow
PriceFreeFree
Update frequencyMonthlyEvery 2 weeks — better
AdsNoNo
In-app purchasesNo — betterYes
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.015.0
Further details — not scored
Size86 MB55 MB
Age rating4+4+
DeveloperSalaam African BankNOURADDIN ABDURAHMAN ADEN

In-app purchases

None

SalaamPay

No in-app purchases

4 purchases

HantiFlow

Subscriptions4
  • HantiFlow Pro Monthly$3.001 Month
  • HantiFlow Business Monthly$7.001 Month
  • HantiFlow Pro Yearly$24.001 Year
Show 1 more
  • HantiFlow Business Yearly$60.001 Year

Questions

Is SalaamPay free?
SalaamPay is free to download, with no in-app purchases.
Is HantiFlow free?
HantiFlow is free to download, with in-app purchases available.
Do SalaamPay or HantiFlow have ads?
Neither SalaamPay nor HantiFlow shows ads.
Which is updated more often, SalaamPay or HantiFlow?
SalaamPay ships an update monthly, and HantiFlow every 2 weeks. Most recently, SalaamPay was updated on October 25, 2026 and HantiFlow on October 25, 2026.

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