# Cash App vs Kachinga

The clearest difference is rating: Cash App at 4.8 against Kachinga's 3.8. Cash App also leads on monetization model (free with in-app purchases vs subscription) and ads (none vs shown). Kachinga's advantage is device support (3 vs 1). On price, review sentiment, in-app purchases and iOS requirement there is nothing between them.

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

Cash App holds the better App Store score, 4.8 against 3.8. That said, the two scores are not equally well evidenced: Cash App has 8.7M ratings behind it against 69, so its average is the more settled of the two. Written reviews complicate that: 55% of Cash App's written reviews are positive against 59% of Kachinga's, so the app with the better star average is not the one people write more warmly about.

Cash App ships an update weekly, Kachinga every 5 weeks. The most recent releases landed on September 26, 2026 and September 18, 2026 respectively.

## The numbers

| Metric | Cash App | Kachinga |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (8.7M ratings)](https://appshunter.io/ios/app/cash-app/id711923939/reviews)** | [3.8 (69 ratings)](https://appshunter.io/ios/app/kachinga/id1470044737/reviews) |
| Number of ratings | **8.7M** | 69 |
| Positive reviews | 54.7% of reviews | **58.8% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Weekly** | Every 5 weeks |
| Monetization | **Free with in-app purchases** | Subscription |
| Best chart rank | **#4** | — |
| Size | 425 MB | 191 MB |
| Requires iOS | 17.0 | **16.0** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 12+ | 4+ |
| Developer | [Block, Inc.](https://appshunter.io/developer/335393791) | [Kachinga, Inc.](https://appshunter.io/developer/1500112664) |

## What reviewers say

### Cash App

[App page](https://appshunter.io/ios/app/cash-app/id711923939)

**Currently charting:** #4 Top Free · Finance, #50 Top Free (US App Store)

Easily send and receive money or bitcoin instantly. Save by rounding up change, invest in stocks or bitcoin, and get paid up to two days early with direct deposit. Features a customizable debit card with exclusive discounts.

**Highlights:** Send & receive money/bitcoin instantly, Round up spare change to save, Invest in stocks, ETFs, and bitcoin, Direct deposit for early paychecks, Customizable debit card with discounts, Free Lightning Network transfers

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 💳 Easy money transferring
- 🚀 Convenient and user-friendly app
- 🤑 Referral bonuses and discounts
- 🤑 Free tax filing
- 🤑 Borrow money feature

**What reviewers complain about**

- 🔒 Security issues and account hacking
- 🤖 Poor customer service and lack of live support
- 💰 Unexpected fees and charges
- 🔍 Unclear account restrictions and limits
- 🐛 App crashes and technical issues

**Reported bugs**

- Recurring issues with direct deposits and money transfers
- Inconsistent app behavior and unexpected account restrictions
- Problems with mobile check deposits and cash withdrawals

**Requested features**

- Improve customer support with live chat or phone options
- Provide more transparency on account policies and limitations
- Enhance security features to prevent fraud and unauthorized access
- Streamline the refund and dispute process for users


### Kachinga

[App page](https://appshunter.io/ios/app/kachinga/id1470044737)

This app helps parents teach children financial literacy through an allowance and savings management system. It combines a debit card for kids with parental controls, allowing real-world money experience in a secure environment.

**Highlights:** Allowance and chore management, Savings goal setting, Secure debit card for kids, Parental controls and spending transparency, Financial literacy guidance, Real-time notifications

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Cash App free?

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

### Is Kachinga free?

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

### Which has better reviews, Cash App or Kachinga?

Cash App is rated higher. Cash App averages 4.8 out of 5 from 8.7M ratings, while Kachinga averages 3.8 from 69 ratings.

### Do Cash App or Kachinga have ads?

Kachinga shows ads; Cash App does not.

### Which is updated more often, Cash App or Kachinga?

Cash App ships an update weekly, and Kachinga every 5 weeks. Most recently, Cash App was updated on September 26, 2026 and Kachinga on September 18, 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.*