Efecty vs Tpaga
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Efecty
Manage your finances and send money with ease. This app allows you to send and receive money transfers, pay bills, and find nearby service points. You can also open an electronic deposit account to manage your funds, make various payments, and transfer money to other banks.
- Send money transfers
- Consult sent and available transfers
- Pay obligations from various agreements
- View service tariffs
- Locate physical service points
- Open an electronic deposit account
- Transfer money to other banks
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Efecty pensando en ti, pone a tu disposición la APP como una de las soluciones de nuestro ecosistema digital, que te permitirá: - Envío de giros. - Consultar la relación de giros enviados y de giros disponibles para retiro. - Realizar y consultar el pago de tus obligaciones de diferentes convenios. - Conocer las tarifas de los servicios de la compañía. - Ubicar los más de 10.000 puntos físicos de servicio para realizar tus transacciones si así lo requieres. - Informarte sobre nuestras promociones y eventos. - Cambio de destinatario de giros. -Aperturar una cuenta de depósito electrónico que te permitirá administrar tus saldos, recargarla por PSE y puntos presenciales, realizar pagos de convenios, realizar retiros por puntos de atención, transferencias entre bolsillos, transferencias entre cuentas, transferencias a otros bancos y consultar tus movimientos. No esperes más. Descarga la aplicación y comienza a disfrutar de todos los beneficios. [10:46 AM, 12/29/2021] Juan Pablo Dieb Efecty: Novedades: Efecty pone a tu disposición una nueva versión que te permite transferir dinero desde tu depósito de bajo monto a cuentas de otros bancos, así puedes enviar dinero a quien necesites. Todas nuestras mejoras las hacemos para brindarte un excelente servicio.
Tpaga
Manage your finances on the go with this mobile wallet. Make payments, purchases, and withdrawals easily from your phone. Invest in collective funds, receive money, and access a vast network for cash withdrawals and transactions.
- Mobile payments and purchases
- Withdrawals at allied points
- Collective investment fund
- Virtual debit card
- Pay public services
- Recharge minutes and data
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Tpaga is the mobile wallet that allows you to make payments, purchases and withdrawals from your cell phone. Use it to invest with your own collective investment fund, receive money and withdraw it at more than 45,000 allied points throughout the country. Turn your cell phone into the perfect tool to make everything easier: With Tpaga you have different options to make your transactions, you can do them online with PSE, your Tpaga Visa virtual debit card with your low amount deposit or in the thousands of stores in our nationwide acceptance network. All in one place! Pay your public services and recharge minutes and/or data packages digitally, buy online or in physical stores and transfer money to your friends in the app, other wallets and/or banks. *If you want to be an affiliate as an allied trade, just write to us at comercial@tpaga.co and you will receive the perfect digital solutions for you. **Do you have questions? Write us by WhatsApp (+57) 1 518 8811 or to our email billetera@tpaga.co We will solve any doubt!
Screenshots
Verdict
The clearest difference is rating: Tpaga at 3.4 against Efecty's 1.8. Efecty's advantage is monetization model (free vs ad-supported). On price, review sentiment, ratings volume and update cadence 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Tpaga holds the better App Store score, 3.4 against 1.8. Both are backed by a comparable volume of ratings — 37 and 24 respectively. Written reviews complicate that: 29% of Efecty's written reviews are positive against 27% of Tpaga's, so the app with the better star average is not the one people write more warmly about.
Efecty ships an update every 2 weeks, Tpaga every 3 weeks. Both last shipped on October 16, 2026.
| Parameter | Efecty | Tpaga |
|---|---|---|
| Price | Free | Free |
| Rating | 1.8 (37 ratings) | 3.4 (24 ratings) — better |
| Positive reviews | 28.6% of reviews — better | 27.4% of reviews |
| Number of ratings | 37 — better | 24 |
| Update frequency | Every 2 weeks — better | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 14.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 83 MB | 80 MB |
| Age rating | 4+ | 4+ |
| Developer | Efectivo Ltda. | Tpaga S.A.S. |
Customer experience
Efecty
Tpaga
In-app purchases
Efecty
No in-app purchases
Tpaga
No in-app purchases
