Kiwi vs Happay Expense: which card and rewards app
Kiwi replies to 96% of unhappy reviews on Google Play, Happay Expense to 55%. Happay Expense does not read your SMS; Kiwi does. Both can read your contacts. Over the last 90 days of reviews, Kiwi averages 3.47 and Happay Expense 4.37. The most serious complaint about both is the same: "Nobody answers". We confirmed 0 of the 2 registration numbers Kiwi publishes on a regulator's register, and 0 of 1 for Happay Expense.
| Kiwi | Happay Expense | |
|---|---|---|
| Most serious thing people report | Nobody answers (6 of 400) | Nobody answers (5 of 392) |
| Does anyone answer complaints | 96% of low-star reviews · median 2d | 55% of low-star reviews · median 2d |
| Rating in the last 90 days | 3.47 (down 1.09 on lifetime) | 4.37 (down 0.35 on lifetime) |
| Last updated | this month | this month |
| Reads your SMS | yes | no |
| Reads your contacts | yes | yes |
| Shows ads | no | no |
| Numbers confirmed on a register | 0 of 2 | 0 of 1 |
| Charges we could source | not extracted yet | not extracted yet |
| Charges only in the terms | not extracted yet | not extracted yet |
How to read this
Every row comes from a public source: the app store listings, the reviews people left there, and the registers kept by RBI, SEBI and IRDAI. Where a row says "Not known", we have not measured it yet, which is different from the answer being no. Qrates takes no commission from either app.
Full pages: Kiwi · Happay Expense