# BigPay vs Vircle

BigPay and Vircle both sit at 4.0 stars, but that hides the real split: 100% of Vircle's written reviews are positive against 27% of BigPay's. Vircle also leads on ads (none vs shown) and monetization model (free vs free with in-app purchases). BigPay's advantage is ratings volume (134 vs 5) and iOS requirement (13.0 vs 16.6). On price, rating, update cadence and in-app purchases 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 — 4.0 for BigPay against 4.0 for Vircle. That said, the two scores are not equally well evidenced: BigPay has 134 ratings behind it against 5, so its average is the more settled of the two. Written reviews are what separate them: 27% of BigPay's written reviews are positive against 100% of Vircle's.

BigPay ships an update every 3 weeks, Vircle every 4 weeks. The most recent releases landed on October 24, 2026 and October 21, 2026 respectively.

## The numbers

| Metric | BigPay | Vircle |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.0 (134 ratings)](https://appshunter.io/ios/app/bigpay-financial-services/id1243379690/reviews)** | [4.0 (5 ratings)](https://appshunter.io/ios/app/vircle/id1492422874/reviews) |
| Number of ratings | **134** | 5 |
| Positive reviews | 27.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Every 3 weeks** | Every 4 weeks |
| Monetization | Free with in-app purchases | **Free** |
| Size | 150 MB | 84 MB |
| Requires iOS | **13.0** | 16.6 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 17+ | 4+ |
| Developer | [BIG PAY PTE. LTD.](https://appshunter.io/developer/1243379689) | [Debit Circles Sdn. Bhd.](https://appshunter.io/developer/1492422873) |

## What reviewers say

### BigPay

[App page](https://appshunter.io/ios/app/bigpay-financial-services/id1243379690)

Manage your finances effortlessly with this app. Track expenses, save money, and make payments globally using physical or virtual cards and QR codes. It offers fast international remittances and seamless bill payments.

**Highlights:** Simple expense tracking, Save money with Stashes, Physical and virtual Visa card payments, DuitNow QR payments, Fast international remittance, Seamless bill payments and top-ups, Earn rewards points

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

**In-app purchases:** none


### Vircle

[App page](https://appshunter.io/ios/app/vircle/id1492422874)

This app helps parents and schools collaborate to raise children who are healthier, brighter, and financially responsible. It offers a secure payment solution with customizable spending rules, guiding children towards financial literacy as they grow.

**Highlights:** Digital allowance management, Customizable spending rules, Parental guidance tools, Contactless payment introduction, Financial literacy education, Family circle collaboration

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is BigPay free?

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

### Is Vircle free?

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

### Which has better reviews, BigPay or Vircle?

BigPay is rated higher. BigPay averages 4.0 out of 5 from 134 ratings, while Vircle averages 4.0 from 5 ratings.

### Do BigPay or Vircle have ads?

BigPay shows ads; Vircle does not.

### Which is updated more often, BigPay or Vircle?

BigPay ships an update every 3 weeks, and Vircle every 4 weeks. Most recently, BigPay was updated on October 24, 2026 and Vircle on October 21, 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.*