# Instapay Chips > South African money app for instant payments, cashback, and spending management. (iPhone/iPad app by OMNEA PTY LTD.) - Source: https://appshunter.io/ios/app/instapay-chips/id1402727891 (this page in markdown: same URL + `.md`) - Developer: [OMNEA PTY LTD](https://appshunter.io/developer/1244772972) - Category: Finance, Lifestyle - Price: Free - Rating: 5.00/5 from 1 App Store ratings · 6 written reviews indexed - Age rating: 4+ - Requires: iOS 15.6 · 36 MB - Languages: English - Released: 2019-05-28 - Data updated: 2026-08-16 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/instapay-chips/id1402727891/reviews.md ## What is Instapay Chips? InstaPay Chips is your all-in-one money app designed for everyday South Africans. Whether you're working full-time, earning per gig, or just managing your day-to-day expenses, InstaPay Chips gives you the tools to stay in control of your money — fast, simple, and secure. With InstaPay Chips, you can: • Send and receive money instantly — no bank account needed • Earn instant cashback at participating stores • Get rewarded with airtime and data • Track your earnings and manage spending with ease • Split your funds between savings and daily use • Create and share payment requests with friends, family, or customers Why InstaPay Chips? • 100% free to use • Fast, secure sign-up with just your ID • Built for everyone — from gig workers to everyday spenders • Spend smarter, save more, and take full control of your finances Want more features?
Upgrade to InstaPay Gini — our advanced app offering additional functionality, rewards, and even interest on your balance. Download InstaPay Chips now — and make every chip count. ## Key features - Instant money transfers - Earn cashback - Get rewarded with airtime/data - Track earnings and spending - Split funds for savings - Create payment requests ## Recent user reviews (6 of 6) All indexed reviews: https://appshunter.io/ios/app/instapay-chips/id1402727891/reviews.md ### 2/5 — Not working on iOS 12.5.6 iPhone 5S *2022-12-01, version 1.6.1* Unfortunately stopped working on iPhone 5S running iOS 12.5.6 after app update. Pse fix! ### 1/5 — Mr Klaas *2022-04-06, version 1.5.5* Been trying to install app for the past 3hrs without success 🤦🏾‍♂️ keeps telling me my details aren’t correct… Like seriously ### 5/5 — Feedback *2020-01-13, version 1.3.0* It’s very easy to use, very convenient and very quick. Great App I think everyone could benefit from. 👌🏿 ### 3/5 — Chips app review *2020-01-11, version 1.3.0* Still unsure about how the app works exactly. Where does the money to pay with come from and how do I load it? That information should be more available upon downloading the app ### 3/5 — Financial app *2020-01-11, version 1.3.0* It’s a good app ### 5/5 — Love it *2019-08-07, version 1.2.5* 🔥❤️ ## Frequently asked questions about Instapay Chips ### How secure is Instapay Chips? Instapay Chips prioritizes security with a fast and secure sign-up process requiring only your ID. The app is designed for everyday use by South Africans, aiming to provide a safe platform for managing your money. ### Can I send money without a bank account using Instapay Chips? Yes, Instapay Chips allows you to send and receive money instantly without needing a traditional bank account. This feature makes it accessible for a wider range of users in South Africa. ### What kind of rewards can I expect with Instapay Chips? You can earn instant cashback at participating stores and get rewarded with airtime and data. These rewards are part of the app's effort to help users spend smarter and manage their finances effectively. ### How does Instapay Chips help with saving money? The app allows you to split your funds between savings and daily use, providing a simple way to allocate money for your financial goals. This feature helps users take better control of their spending and saving habits. ### Is Instapay Chips free to use? Yes, Instapay Chips is 100% free to use. There are no charges for its core services, making it an accessible financial tool for everyone. ### What devices does Instapay Chips support? Instapay Chips is available on iPhone, iPad, and iPod. It is designed to be compatible with Apple's iOS ecosystem. ### How often is Instapay Chips updated? The latest version of Instapay Chips is 2.0.12, last updated on December 17, 2025. Updates typically include improvements to features, security, and performance. ### Does Instapay Chips have ads? No, Instapay Chips does not contain advertisements. The app is designed to provide a clean and uninterrupted user experience. ## Version history (last 5 releases) ### 2.0.12 — 2025-12-17 Bug Fixes ### 2.0.11 — 2025-12-13 - Bug Fixes ### 2.0.10 — 2025-12-09 - Bug Fixes ### 2.0.8 — 2025-11-29 - Bug Fixes ### 2.0.7 — 2025-11-26 - Added ABSA as a cashsend option - Bug fixes ## Apps similar to Instapay Chips | App | Rating | Price | Category | | --- | --- | --- | --- | | [Finbond Mutual Bank](https://appshunter.io/ios/app/finbond-mutual-bank/id1464531207) | — | Free | Finance | | [Lula](https://appshunter.io/ios/app/lula/id6648781195) | — | Free | Finance | | [Minit Money](https://appshunter.io/ios/app/minit-money/id1489143323) | 5.0 (2) | Free | Finance | | [YONO SBI South Africa](https://appshunter.io/ios/app/yono-sbi-south-africa/id1550052404) | — | Free | Finance | | [Finex Remit](https://appshunter.io/ios/app/finex-remit/id6504567814) | — | Free | Finance | | [Camel Cash](https://appshunter.io/ios/app/camel-cash/id6444104906) | 5.0 (1) | Free | Finance | ## More apps by OMNEA PTY LTD - [GarsiePay](https://appshunter.io/ios/app/garsiepay/id1569165214) - [kazam](https://appshunter.io/ios/app/kazam/id6467721847) - [Tip Tag](https://appshunter.io/ios/app/tip-tag/id6752897544) All apps by OMNEA PTY LTD: https://appshunter.io/developer/1244772972 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-16.*