# Cowris vs SmartpayVTU

The clearest difference is update cadence: SmartpayVTU at daily against Cowris's every 3 weeks. SmartpayVTU also leads on iOS requirement (13.0 vs 15.1). On price, ads, in-app purchases and device support there is nothing between them.

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

Cowris ships an update every 3 weeks, SmartpayVTU daily. The most recent releases landed on July 8, 2026 and September 16, 2026 respectively.

## The numbers

| Metric | Cowris | SmartpayVTU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (2 ratings)](https://appshunter.io/ios/app/cowris/id6504628198/reviews)** | — |
| Number of ratings | **2** | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Daily** |
| Monetization | Free | — |
| Size | 29 MB | 33 MB |
| Requires iOS | 15.1 | **13.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Cowris Technologies Limited](https://appshunter.io/developer/1753099447) | [LEMS - TECH INTEGRATED SERVICES](https://appshunter.io/developer/1838661649) |

## What reviewers say

### Cowris

[App page](https://appshunter.io/ios/app/cowris/id6504628198)

Easily send money internationally, pay for services, and manage your finances. This secure and simple app is designed for both individuals and businesses to make cross-border transactions smooth and hassle-free.

**Highlights:** Cross-border money transfers, Service payments, Finance management, Secure transactions, User-friendly interface

**Features:** macOS Compatibility

**In-app purchases:** none


### SmartpayVTU

[App page](https://appshunter.io/ios/app/smartpayvtu/id6755654068)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Cowris free?

Cowris is free to download, with no in-app purchases.

### Is SmartpayVTU free?

SmartpayVTU is free to download, with no in-app purchases.

### Do Cowris or SmartpayVTU have ads?

Neither Cowris nor SmartpayVTU shows ads.

### Which is updated more often, Cowris or SmartpayVTU?

Cowris ships an update every 3 weeks, and SmartpayVTU daily. Most recently, Cowris was updated on July 8, 2026 and SmartpayVTU on September 16, 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.*