# Monese vs Silkpay

The clearest difference is ads: Silkpay at none against Monese's shown. Monese's advantage is update cadence (every 3 weeks vs every 2 months). On price, in-app purchases, device support and iOS requirement there is nothing between them.

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

Monese ships an update every 3 weeks, Silkpay every 2 months. The most recent releases landed on October 29, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | Monese | Silkpay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (2.4K ratings)](https://appshunter.io/ios/app/monese-a-banking-alternative/id1102793407/reviews)** | — |
| Number of ratings | **2.4K** | — |
| Positive reviews | 18.8% of reviews | — |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Every 3 weeks** | Every 2 months |
| Monetization | Free with in-app purchases | — |
| Size | 203 MB | 29 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Monese LTD](https://appshunter.io/developer/1102793406) | [Silkpay](https://appshunter.io/developer/1483956139) |

## 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


### Silkpay

[App page](https://appshunter.io/ios/app/silkpay/id1483956140)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Monese free?

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

### Is Silkpay free?

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

### Do Monese or Silkpay have ads?

Monese shows ads; Silkpay does not.

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

Monese ships an update every 3 weeks, and Silkpay every 2 months. Most recently, Monese was updated on October 29, 2026 and Silkpay on October 25, 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.*