# Paykko vs Kowo

The clearest difference is update cadence: Paykko at weekly against Kowo's fortnightly. 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.

Paykko ships an update weekly, Kowo fortnightly. The most recent releases landed on October 25, 2026 and October 17, 2026 respectively.

## The numbers

| Metric | Paykko | Kowo |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.9 (7 ratings)](https://appshunter.io/ios/app/paykko/id6758107133/reviews)** | — |
| Number of ratings | **7** | — |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Weekly** | Fortnightly |
| Monetization | Free | — |
| Size | 88 MB | 49 MB |
| Requires iOS | **15** | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Gara (apps)](https://appshunter.io/developer/1848598128) | [YandaTech](https://appshunter.io/developer/6777103162) |

## What reviewers say

### Paykko

[App page](https://appshunter.io/ios/app/paykko/id6758107133)

This app modernizes traditional savings circles by making them digital, secure, and accessible. Save individually at your own pace or join groups to amplify your impact. Automated payments and a credit score system reward your consistency.

**Highlights:** Individual and group savings, Automated mobile money payments, Credit score building, Cross-border tontines, Flexible savings cycles

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### Kowo

[App page](https://appshunter.io/ios/app/kowo/id6777103160)

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Paykko free?

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

### Is Kowo free?

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

### Do Paykko or Kowo have ads?

Neither Paykko nor Kowo shows ads.

### Which is updated more often, Paykko or Kowo?

Paykko ships an update weekly, and Kowo fortnightly. Most recently, Paykko was updated on October 25, 2026 and Kowo on October 17, 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.*