Comparison

Zenmoney vs Чаевые+. На карту по QR

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

Head to head
About

Zenmoney

This app automatically tracks spending and income by connecting to your bank accounts. It analyzes your habits, provides AI-powered insights, and helps you plan budgets and future expenses to achieve financial well-being.

Highlights
  • Automatic transaction import and categorization
  • AI-powered financial insights and analysis
  • Budget planning and future spending forecasts
  • Savings progress tracking
  • Bill and subscription management
  • Customizable spending categories
Features
Read full description

Zenmoney is more than just an expense tracker. It’s your personal finance assistant and smart money analyst. It helps you see the full picture, brings clarity to your financial life, and supports your long-term well-being. Rely on accurate data. When everything is transparent, you can make calm and confident decisions, focused on your real goals and priorities. Track spending and income automatically Zenmoney connects all your bank accounts and cards in one place, supporting over 3,300 banks worldwide. It automatically imports and categorises transactions across cards, cash, investments, savings, and even crypto accounts. There’s no need for manual entry — you get a clear, complete picture of your finances at a glance. You can also customise categories to match your personal needs and enjoy a detailed overview of your spending and income without any routine. Analyse your spending and understand your habits Zenmoney helps you see where your money goes each month and compare your spending across different periods. It highlights trends: which categories are growing, which are shrinking, and what impacts your overall budget the most. You also get a clear balance of income vs expenses, so you can easily spot if your spending starts to outpace your earnings. The app tracks your savings progress and shows how your reserves change over time — including how many months you could live without income, helping you build a stronger financial cushion. Get personalised insights with a AI-powered assistant Zenmoney features an AI assistant that helps you understand your current financial situation, set goals, and create custom analytical charts — even those not included in standard reports. It can also analyse and compare spending across categories, generate insights for custom time periods, find old transactions, and suggest expenses you might want to optimise. With this personalised support, you gain a deeper understanding of your finances and make more confident decisions. Plan your budget and stay on top of future spending With Zenmoney, you can plan your essential expenses or create a full monthly budget. Choose whichever works best for you. You can schedule future calendar payments or set spending limits for specific categories and goals, and the app calculates your overall budget automatically. You’ll also see how much disposable income is left for spontaneous spending, and easily decide how much to put into virtual saving pots for each goal. The AI forecasts future spending based on your habits and history and highlights regular payments, upcoming bills, and subscriptions. All of them appear in a simple bill calendar, helping you avoid late fees and stop paying for subscriptions you no longer use. Bring Zen to your finances Zenmoney helps you get a clear view of your finances, plan thoughtfully, and feel at ease with your money. Instead of a traditional “home bookkeeping” approach, Zenmoney acts as your personal finance assistant. It remembers what matters to you, reminds you about upcoming payments, helps you understand spending patterns, and shows how much you can safely spend or save. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Чаевые+. На карту по QR

This app allows service industry employees to receive tips directly to their bank card via QR code. Guests can leave tips with ratings and reviews, and employees can track their earnings and manage their profiles. It's designed for HoReCa and other service-based businesses.

Highlights
  • Receive tips directly to bank card
  • QR code payment integration
  • Personalized employee profiles
  • Tip history with reviews
  • Individual and group tipping options
  • Integration with POS systems
Features
Read full description

Приложение для сотрудников заведений, подключённых к сервису Чаевые+ Как использовать приложение: 1. Получите доступ у вашего управляющего/менеджера. Вы получите СМС со ссылкой на регистрацию 2. Авторизуйтесь и укажите карту, на которую хотите получать чаевые 3. Получайте чаевые на свою карту от довольных гостей и клиентов Возможности приложения: - Настройка вашего личного профиля, который увидят гости/клиенты - История чаевых с оценками, отзывами и доп. параметрами (номер столика, % от суммы счёта) - Для администраторов группового сбора - добавление сотрудников и вывод чаевых О сервисе: Чаевые+ предназначено для заведений сегмента HoReCa и других, оказывающих услуги. Позволяет принимать чаевые по QR-коду через СБП, Mir Pay, банковской картой. - Интеграция с различным кассовым ПО для печати QR-кода на чеке/пречеке - Индивидуальные чаевые каждому сотруднику с моментальным зачислением на карту, либо групповой сбор на команду - Гибкая настройка сценариев под особенности работы вашего заведения

Screenshots

Zenmoney4 screens
Чаевые+. На карту по QR4 screens

Verdict

The call

The clearest difference is in-app purchases: Чаевые+. На карту по QR at none against Zenmoney's 10. Чаевые+. На карту по QR also leads on rating (4.8 vs 4.4). Zenmoney's advantage is review sentiment (57% vs 43%) and ratings volume (163 vs 29). On price, update cadence, ads and device support 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Zenmoney sells 10 in-app purchases, starting at $3.49 per month. Чаевые+. На карту по QR asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Чаевые+. На карту по QR holds the better App Store score, 4.8 against 4.4. That said, the two scores are not equally well evidenced: Zenmoney has 163 ratings behind it against 29, so its average is the more settled of the two. Written reviews complicate that: 57% of Zenmoney's written reviews are positive against 43% of Чаевые+. На карту по QR's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Zenmoney ships an update every 4 weeks, Чаевые+. На карту по QR monthly. Both last shipped on November 11, 2026.

Scorecard5 real differences · 5 level
Zenmoney versus Чаевые+. На карту по QR: the parameters behind the verdict, then further details
ParameterZenmoneyЧаевые+. На карту по QR
PriceFreeFree
Rating4.4 (163 ratings)4.8 (29 ratings) — better
Positive reviews56.6% of reviews — better42.9% of reviews
Number of ratings163 — better29
Update frequencyEvery 4 weeks — betterMonthly
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.015.0
Further details — not scored
Size250 MB25 MB
Age rating4+4+
DeveloperZenmoney OUPAYMO

Customer experience

Zenmoney

All ratings161 ratings
Positive85.1%
Neutral3.1%
Negative11.8%
Written reviews251 reviews
Positive56.6%
Neutral9.2%
Negative34.3%

Чаевые+. На карту по QR

All ratings29 ratings
Positive96.6%
Neutral0.0%
Negative3.4%
Written reviews21 reviews
Positive42.9%
Neutral9.5%
Negative47.6%

In-app purchases

10 purchases

Zenmoney

Subscriptions4
  • Monthly subscription$3.491 Month
  • Monthly subscription14 Days trial$3.491 Month
  • Annual subscription$19.991 Year
Show 1 more
  • Annual subscription with trial1 Month trial$19.991 Year
One-time6
  • Zenmoney Premium$1.99
  • Zenmoney Premium$5.99
  • Zenmoney Premium$8.99
Show 3 more
  • Zenmoney Premium$9.99
  • Zenmoney Premium$19.99
  • Zenmoney Premium$39.99
None

Чаевые+. На карту по QR

No in-app purchases

Questions

Is Zenmoney free?
Zenmoney is free to download, with in-app purchases available.
Is Чаевые+. На карту по QR free?
Чаевые+. На карту по QR is free to download, with no in-app purchases.
Which has better reviews, Zenmoney or Чаевые+. На карту по QR?
Чаевые+. На карту по QR is rated higher. Zenmoney averages 4.4 out of 5 from 163 ratings, while Чаевые+. На карту по QR averages 4.8 from 29 ratings.
Do Zenmoney or Чаевые+. На карту по QR have ads?
Neither Zenmoney nor Чаевые+. На карту по QR shows ads.
Which is updated more often, Zenmoney or Чаевые+. На карту по QR?
Zenmoney ships an update every 4 weeks, and Чаевые+. На карту по QR monthly. Most recently, Zenmoney was updated on November 11, 2026 and Чаевые+. На карту по QR on November 11, 2026.

Other comparisons