# TIM finanças vs Pantore Pay

The clearest difference is ads: TIM finanças at none against Pantore Pay's shown. TIM finanças also leads on monetization model (free vs ad-supported) and iOS requirement (9.0 vs 15.1). Pantore Pay's advantage is update cadence (every 2 weeks vs every 3 months) and review sentiment (60% vs 40%). On price, rating, in-app purchases 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.

On the App Store both sit at effectively the same score — 5.0 for TIM finanças against 5.0 for Pantore Pay. That said, the two scores are not equally well evidenced: Pantore Pay has 6 ratings behind it against 1, so its average is the more settled of the two. Written reviews are what separate them: 40% of TIM finanças's written reviews are positive against 60% of Pantore Pay's.

TIM finanças ships an update every 3 months, Pantore Pay every 2 weeks. The most recent releases landed on November 2, 2026 and November 12, 2026 respectively.

## The numbers

| Metric | TIM finanças | Pantore Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (1 ratings)](https://appshunter.io/ios/app/tim-financas/id1136240532/reviews) | [5.0 (6 ratings)](https://appshunter.io/ios/app/pantore-pay/id6447585092/reviews) |
| Number of ratings | 1 | **6** |
| Positive reviews | 40.0% of reviews | **60.0% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 3 months | **Every 2 weeks** |
| Monetization | **Free** | Ad-supported |
| Size | 120 MB | 59 MB |
| Requires iOS | **9.0** | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [TIM Celular](https://appshunter.io/developer/628000263) | [PANTORE TECNOLOGIA LTDA](https://appshunter.io/developer/1627700963) |

## What reviewers say

### TIM finanças

[App page](https://appshunter.io/ios/app/tim-financas/id1136240532)

Learn to manage your finances with this practical guide. Access top content on finance and business to simplify your financial life, track expenses and income, and even manage a business.

**Highlights:** Financial control, Expense and income management, Business management, Financial health improvement, Objective content presentation

**Features:** Vision Pro support

**In-app purchases:** none


### Pantore Pay

[App page](https://appshunter.io/ios/app/pantore-pay/id6447585092)

This app provides working capital for businesses like restaurants and grocery stores, allowing them to finance purchases from any supplier in Brazil. It offers a simple credit line, flexible payment terms, and a user-friendly interface with data security.

**Highlights:** Working capital loans, Finance supplier purchases, 7-day flexible payment terms, Intuitive user interface, Advanced data encryption, Dedicated customer support

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is TIM finanças free?

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

### Is Pantore Pay free?

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

### Which has better reviews, TIM finanças or Pantore Pay?

TIM finanças and Pantore Pay are both rated 5.0 out of 5 on the App Store, from 1 and 6 ratings respectively.

### Do TIM finanças or Pantore Pay have ads?

Pantore Pay shows ads; TIM finanças does not.

### Which is updated more often, TIM finanças or Pantore Pay?

TIM finanças ships an update every 3 months, and Pantore Pay every 2 weeks. Most recently, TIM finanças was updated on November 2, 2026 and Pantore Pay on November 12, 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.*