# Monese vs Payhawk

The clearest difference is review sentiment: Payhawk at 60% against Monese's 19%. Payhawk also leads on ads (none vs shown) and update cadence (every 3 days vs every 3 weeks). Monese's advantage is rating (4.7 vs 4.5) and ratings volume (2.4K vs 250). On price, in-app purchases, monetization model and device support there is nothing between them.

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

Monese holds the better App Store score, 4.7 against 4.5. That said, the two scores are not equally well evidenced: Monese has 2.4K ratings behind it against 250, so its average is the more settled of the two. Written reviews complicate that: 19% of Monese's written reviews are positive against 60% of Payhawk's, so the app with the better star average is not the one people write more warmly about.

Monese ships an update every 3 weeks, Payhawk every 3 days. Both last shipped on October 26, 2026.

## The numbers

| Metric | Monese | Payhawk |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (2.4K ratings)](https://appshunter.io/ios/app/monese-a-banking-alternative/id1102793407/reviews)** | [4.5 (250 ratings)](https://appshunter.io/ios/app/payhawk/id1440618802/reviews) |
| Number of ratings | **2.4K** | 250 |
| Positive reviews | 18.8% of reviews | **59.6% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 3 weeks | **Every 3 days** |
| Monetization | Free with in-app purchases | Freemium |
| Size | 203 MB | 122 MB |
| Requires iOS | **15.0** | 16.4 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Monese LTD](https://appshunter.io/developer/1102793406) | [Payhawk OOD](https://appshunter.io/developer/1440618801) |

## What reviewers say

### Monese

[App page](https://appshunter.io/ios/app/monese-a-banking-alternative/id1102793407)

This app offers a digital banking alternative, allowing users to manage multiple currencies, send and receive money internationally, and access a contactless debit card. It provides budgeting tools, real-time notifications, and features like savings pots and virtual cards for secure online payments.

**Highlights:** Multi-currency accounts (GBP, EUR, RON), Contactless Mastercard debit card, International money transfers, Virtual card for online payments, Savings pots, Real-time spending notifications, Credit score building (UK only)

**Features:** Siri integration, Apple Wallet, Vision Pro support

**In-app purchases:** none


### Payhawk

[App page](https://appshunter.io/ios/app/payhawk/id1440618802)

Manage your company's entire spending lifecycle seamlessly. Instantly issue cards with custom limits, automate expense reporting with real-time notifications, and integrate directly with your accounting software. Go paperless and gain full control over your business finances.

**Highlights:** Instant virtual and physical card issuance, Customizable spending limits per employee, Automated receipt and invoice matching, Real-time expense tracking and reporting, Direct accounting software integration, Paperless expense management

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is Monese free?

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

### Is Payhawk free?

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

### Which has better reviews, Monese or Payhawk?

Monese is rated higher. Monese averages 4.7 out of 5 from 2.4K ratings, while Payhawk averages 4.5 from 250 ratings.

### Do Monese or Payhawk have ads?

Monese shows ads; Payhawk does not.

### Which is updated more often, Monese or Payhawk?

Monese ships an update every 3 weeks, and Payhawk every 3 days. Most recently, Monese was updated on October 26, 2026 and Payhawk on October 26, 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.*