Comparison

Bidii Chama vs Zed 360

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

Head to head
About

Bidii Chama

Features
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Bidii Chama App โ€“ Empower Your Chama with Trust, Transparency, and Automation! Don't let confusing contributions and messy books throw your chama into chaos! We've made the Math Easy with Bidii Chama! Track everything seamlessly - contributions, loans, and disbursements - all with complete transparency for all members. With the Bidii Chama application, the financial activities of your chama can be digitized and put under transparent and trustworthy accountability for everyone involved. The idea is to keep track of contributions, disbursements, and loans- easy, yet everyone knows what's going on. Streamline Your Chama Operations Bidii Chama empowers self-help groups and other social organizations such as clubs, associations, and societies by automating their financial operations. From real-time tracking to seamless approvals, mobile solutions make your chama easy and simple to manage. Some of the features of the Bidii Chama application: 1. Effortless Chama Management: Create and manage your chama, set payment schedules, and invite members easily. 2. Real-Time Tracking: Know when and the amount of contributions, loans, and disbursements through clear and concise reports. 3. Mobile Money Integration: Send and receive funds securely, request loans, and disbursement of money. 4. Member Wallets: Send, withdraw, or top up funds in an instant. 5. Streamlined Loan Processes: Automated Peer-to-peer lending process where chama members contribute regular installments. These pooled funds can be used for peer-to-peer lending within the group. Members can apply for loans from this pool, subject to approval from the Chama leadership. Loan terms are set by the chama. 6. Secure and Encrypted: Your personal data is protected for peace of mind. Disclaimer: Please note that Bidii Chama does not provide loans or set loan terms; it is a savings group management platform. All aspects of finance, including interest rates and repayment schedules, are determined by the chama themselves. Users should verify terms with their chama before agreeing. Simplify your chama with Bidii Chama.- Small steps to a better future!

About

Zed 360

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Transform Your Business with Zed 360 Zed 360 is the all-in-one business management platform that connects everything your business needs in a single, powerful app. Complete Business Management: Inventory Management - Real-time stock tracking with automatic low stock alerts and sales forecasting Invoicing - Generate professional invoices instantly Payment Processing - Accept and make payments with mobile, card, and online options Supplier Management - Pay suppliers and track payables effortlessly Point of Sale (POS) - Process in-store transactions seamlessly eCommerce - Manage your online store Full Accounting - Automated reconciliation with complete financial reports Automated Accounting: Say goodbye to manual reconciliation. Zed 360 automatically manages your receivables and payables, generating comprehensive financial reports including: Journals Trial Balance Cash Flow Statements Profit & Loss Statements Balance Sheets Real-Time Inventory Control: Instant visibility into stock levels Automatic low stock alerts Sales forecasting based on trends Smart reordering recommendations No More Reconciliation Headaches Zed 360 connects all aspects of your business, eliminating the need for manual reconciliation and giving you complete financial control. Perfect for All Business Types: Whether you run retail, FMCG, schools, transport, or any other business, Zed 360 adapts to your needs with industry-specific solutions. Get started today and experience seamless business management.

Screenshots

Bidii Chama4 screens
Zed 3604 screens

Verdict

The call

The clearest difference is update cadence: Zed 360 at every 2 weeks against Bidii Chama's every 2 months. On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price ยท Rating ยท Positive reviews ยท Number of ratings ยท Update frequency ยท Ads ยท In-app purchases ยท Monetization ยท Best chart rank ยท Devices ยท Requires iOS

CostPrice ยท In-app purchases ยท Ads ยท Monetization

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

UpkeepUpdate frequency

Bidii Chama ships an update every 2 months, Zed 360 every 2 weeks. The most recent releases landed on September 20, 2026 and September 9, 2026 respectively.

Scorecard1 real difference ยท 5 level
Bidii Chama versus Zed 360: the parameters behind the verdict, then further details
ParameterBidii ChamaZed 360
PriceFreeFree
Update frequencyEvery 2 monthsEvery 2 weeks โ€” better
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPad โ€” betteriPhone
Requires iOS17.0 โ€” better17.6
Further details โ€” not scored
Size58 MB28 MB
Age rating4+4+
DeveloperDiamond Trust Bank Kenya LimitedRiverBank Solutions Ltd

In-app purchases

None

Bidii Chama

No in-app purchases

None

Zed 360

No in-app purchases

Questions

Is Bidii Chama free?
Bidii Chama is free to download, with no in-app purchases.
Is Zed 360 free?
Zed 360 is free to download, with no in-app purchases.
Do Bidii Chama or Zed 360 have ads?
Neither Bidii Chama nor Zed 360 shows ads.
Which is updated more often, Bidii Chama or Zed 360?
Bidii Chama ships an update every 2 months, and Zed 360 every 2 weeks. Most recently, Bidii Chama was updated on September 20, 2026 and Zed 360 on September 9, 2026.

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