Comparison

Cashminute vs Topratepay

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

Head to head
About

Cashminute

Easily and securely send money internationally at a fraction of the cost of traditional banks. Enjoy fast, instant transfers to bank accounts, mobile wallets, and over 14,000 cash pick-up locations worldwide. Your first transfer is fee-free.

Highlights
  • Low-cost international money transfers
  • Instant transfers to 81+ countries
  • Send to banks, mobile wallets, and cash pick-up locations
  • First transfer fee-free
  • Real-time transfer updates
  • FCA-authorised and secure
  • In-app customer support
Features
Read full description

Whether you’re supporting your family or doing business internationally, CashMinute makes it easy and safe to send money from your phone, at less than a quarter of the cost of your bank or high street money transfer provider. Send money abroad quickly and easily, at the lowest possible cost with CashMinute. Send money to friends and families around the world in a blink with no fuss.

Whether at the comfort of your sofa or on the move, you can easily and securely send Money to the people who matter to you most.

All our money transfer service are instant. You send you money now and we make it available to your intended beneficiary within minutes. 
With the

Best exchange rates in the market
Lowest possible fees,
Fast Service turnaround
Widest possible collection points including banks and Post Offices
Most dedicated customer service team


Features and benefits: - Your first transfer is fee-free. - Send money to many banks around the world, mobile wallets and more than 14,000+ secure cash pick-up locations around the world. - Instant transfers available in 81+ countries, with 24/7 delivery availability. - Send from European countries to more than 81+ countries and territories around the world. - Real-time updates on your transfer, so you know exactly where your money is. - FCA-authorised, so you know your money is safe. - Face ID and Touch ID security, to keep your personal data secure. - In-app customer support offered in many languages. For more information, visit us at: www.cashminute.com

About

Topratepay

Easily and securely send money to friends and family with this intuitive mobile app. Enjoy swift, reliable transactions with bank-level security and real-time notifications. Designed for simplicity, it accommodates various payment methods for a worry-free experience.

Highlights
  • Effortless money transfers
  • Instant transaction speed
  • Bank-level security encryption
  • Real-time transfer notifications
  • User-friendly interface
  • Multiple payment method support
Features
Read full description

Introducing Topratepay, your trusted companion for effortless and secure money transfers. Seamlessly designed to simplify the way you send money to friends and loved ones, Topratepay ensures that your transactions are swift, reliable, and worry-free. Key Features: 1. Effortless Transactions: With Topratepay, sending money becomes a breeze. The intuitive interface allows users to complete transactions with just a few taps, making it quick and convenient for both sender and recipient. 2. Instant Transfers: Say goodbye to long waiting times. QuickSend enables instant money transfers, ensuring that your loved ones receive the funds they need when they need them the most. 3. Bank-Level Security: We prioritize your security. Topratepay employs cutting-edge encryption technologies to safeguard your financial information, providing you with peace of mind for every transaction. 4. Real-Time Notifications: Stay informed at every step. Topratepay keeps you updated with real-time notifications, from the moment you initiate a transfer to its successful completion. 5. User-Friendly Interface: Topratepay is designed with simplicity in mind. Whether you're a tech-savvy user or new to mobile banking, our user-friendly interface ensures a smooth and enjoyable experience. 6. Wide Range of Accepted Payment Methods: Topratepay accommodates various payment methods, ensuring flexibility and convenience for users. Link your bank account, credit card, or other preferred payment methods effortlessly. Empower your relationships with Topratepay—your go-to app for sending money to those who matter most. Download now and experience the next level of simplicity, speed, and security in mobile money transfers. Topratepay has been in Money Services Business since 2005, registered with the Financial Conduct Authority (FCA) United Kingdom with Registration Number 550566. Registered with HMRC and Companies House registration number 04484535

Screenshots

Cashminute4 screens
Topratepay4 screens

Verdict

The call

The clearest difference is ads: Topratepay at none against Cashminute's shown. Topratepay also leads on monetization model (free vs ad-supported) and iOS requirement (15.1 vs 18.0). Cashminute's advantage is update cadence (every 9 days vs every 14 months). On price, review sentiment, in-app purchases 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. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Cashminute ships an update every 9 days, Topratepay every 14 months. The most recent releases landed on October 24, 2026 and October 22, 2026 respectively.

Scorecard4 real differences · 6 level
Cashminute versus Topratepay: the parameters behind the verdict, then further details
ParameterCashminuteTopratepay
PriceFreeFree
Rating1.0 (1 ratings) — better—
Positive reviews0.0% of reviews0.0% of reviews
Number of ratings1 — better—
Update frequencyEvery 9 days — betterEvery 14 months
AdsYesNo — better
In-app purchasesNoNo
MonetizationAd-supportedFree — better
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS18.015.1 — better
Further details — not scored
Size54 MB40 MB
Age rating4+4+
DeveloperJalloh Enterprises LimitedToprate Mutual Finance Limited

Customer experience

Cashminute

All ratings1 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews4 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Topratepay

All ratings1 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

Cashminute

No in-app purchases

None

Topratepay

No in-app purchases

Questions

Is Cashminute free?
Cashminute is free to download, with no in-app purchases.
Is Topratepay free?
Topratepay is free to download, with no in-app purchases.
Do Cashminute or Topratepay have ads?
Cashminute shows ads; Topratepay does not.
Which is updated more often, Cashminute or Topratepay?
Cashminute ships an update every 9 days, and Topratepay every 14 months. Most recently, Cashminute was updated on October 24, 2026 and Topratepay on October 22, 2026.

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