# Efecty vs mipagoamigo

The clearest difference is rating: mipagoamigo at 2.4 against Efecty's 1.8. Efecty's advantage is update cadence (every 2 weeks vs every 3 months) and review sentiment (29% vs 6%). On price, ratings volume, ads and in-app purchases there is nothing between them.

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

mipagoamigo holds the better App Store score, 2.4 against 1.8. Both are backed by a comparable volume of ratings — 37 and 35 respectively. Written reviews complicate that: 29% of Efecty's written reviews are positive against 6% of mipagoamigo'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, mipagoamigo every 3 months. Both last shipped on October 16, 2026.

## The numbers

| Metric | Efecty | mipagoamigo |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.8 (37 ratings)](https://appshunter.io/ios/app/efecty/id712562218/reviews) | **[2.4 (35 ratings)](https://appshunter.io/ios/app/mipagoamigo/id1299526190/reviews)** |
| Number of ratings | **37** | 35 |
| Positive reviews | **28.6% of reviews** | 6.2% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 3 months |
| Monetization | Free | Free |
| Size | 83 MB | 27 MB |
| Requires iOS | **14.0** | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Efectivo Ltda.](https://appshunter.io/developer/712562221) | [Banco Caja Social](https://appshunter.io/developer/502534142) |

## What reviewers say

### Efecty

[App page](https://appshunter.io/ios/app/efecty/id712562218)

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.

**Highlights:** 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

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

**In-app purchases:** none


### mipagoamigo

[App page](https://appshunter.io/ios/app/mipagoamigo/id1299526190)

Easily pay bills, social security, and other services from your mobile device. Select your company, enter payment details, and choose your financial institution via PSE to complete transactions securely. Download payment receipts for your records.

**Highlights:** Pay bills and services, Secure transactions, PSE payment integration, Download payment receipts, Search for companies

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

**In-app purchases:** none


## Frequently asked questions

### Is Efecty free?

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

### Is mipagoamigo free?

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

### Which has better reviews, Efecty or mipagoamigo?

mipagoamigo is rated higher. Efecty averages 1.8 out of 5 from 37 ratings, while mipagoamigo averages 2.4 from 35 ratings.

### Do Efecty or mipagoamigo have ads?

Neither Efecty nor mipagoamigo shows ads.

### Which is updated more often, Efecty or mipagoamigo?

Efecty ships an update every 2 weeks, and mipagoamigo every 3 months. Most recently, Efecty was updated on October 16, 2026 and mipagoamigo on October 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.*