# PhonePe vs Smart Plus.

The clearest difference is update cadence: PhonePe at every 5 days against Smart Plus.'s every 3 months. PhonePe also leads on ratings volume (176K vs 2). Smart Plus.'s advantage is monetization model (free vs free with in-app purchases) and rating (5.0 vs 4.7). On price, ads, 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.

Smart Plus. holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: PhonePe has 176K ratings behind it against 2, so its average is the more settled of the two.

PhonePe ships an update every 5 days, Smart Plus. every 3 months. The most recent releases landed on October 30, 2026 and October 19, 2026 respectively.

## The numbers

| Metric | PhonePe | Smart Plus. |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (176K ratings)](https://appshunter.io/ios/app/phonepe-upi-gold-insurance/id1170055821/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/smart-plus/id1665033708/reviews)** |
| Number of ratings | **176K** | 2 |
| Positive reviews | 68.2% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 days** | Every 3 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 355 MB | 92 MB |
| Requires iOS | 17.1 | **15.6** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [PHONEPE PRIVATE LIMITED](https://appshunter.io/developer/1170055820) | [Steel City Securities Limited](https://appshunter.io/developer/1435142703) |

## What reviewers say

### PhonePe

[App page](https://appshunter.io/ios/app/phonepe-upi-gold-insurance/id1170055821)

This app facilitates secure digital payments, including UPI transfers, mobile and utility bill recharges, and online/offline purchases. It also offers investment options in mutual funds and insurance policies.

**Highlights:** BHIM UPI money transfers, Mobile and DTH recharges, Utility bill payments, Online and offline QR code payments, Mutual fund investments, Insurance policy purchases, Gift card purchases

**In-app purchases:** none

**What reviewers like**

- 🚀 Instant payments
- 👍 User-friendly interface
- 🔒 Secure transactions
- 💡 Diverse payment options
- 🚀 Fast and convenient

**What reviewers complain about**

- 🐛 Transactions failing or pending
- 🔍 Lack of customer support
- 🔍 Difficult to resolve issues
- 🔍 Unreliable service
- 🔍 Inconsistent performance

**Reported bugs**

- Unable to link bank accounts or cards
- Verification issues with non-Indian phone numbers
- Transactions getting stuck or not completing
- Wallet balance not updating correctly
- App crashes or freezes during use

**Requested features**

- Add support for international phone numbers
- Improve transaction history and record-keeping
- Provide more transparency on payment status
- Enhance security measures for NRI accounts
- Streamline the account verification process


### Smart Plus.

[App page](https://appshunter.io/ios/app/smart-plus/id1665033708)

Buy and sell stocks with real-time quotes and updates. This finance app allows trading in equity, commodity, currency, and futures & options, with convenient online fund transfers. Access expert research and analysis on the go.

**Highlights:** Real-time stock quotes, Equity, Commodity, Currency, F&O trading, Online fund transfers, Expert research and analysis, Mobile trading on the go

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

**In-app purchases:** none


## Frequently asked questions

### Is PhonePe free?

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

### Is Smart Plus. free?

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

### Which has better reviews, PhonePe or Smart Plus.?

Smart Plus. is rated higher. PhonePe averages 4.7 out of 5 from 176K ratings, while Smart Plus. averages 5.0 from 2 ratings.

### Do PhonePe or Smart Plus. have ads?

Neither PhonePe nor Smart Plus. shows ads.

### Which is updated more often, PhonePe or Smart Plus.?

PhonePe ships an update every 5 days, and Smart Plus. every 3 months. Most recently, PhonePe was updated on October 30, 2026 and Smart Plus. on October 19, 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.*