T vs Pay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
T
Manage your finances with a dedicated account for easy remittances and transactions. This convenient app lets you send money, make payments, and purchase goods and services.
- Remittance services
- Financial transactions
- Fund transfers
- Withdrawals
- Bill payments
- Goods and services purchases
Read full descriptionHide full description
T-Plus allows you to experience a whole new method of remittance and many financial transactions by maintaining a T-Plus account. This is both convenient and easy to use. You will be able to remit, withdraw, request, transfer funds as well as purchase goods and services and even pay your utility bills.
Pay
Easily and securely send money online with this digital remittance system. It simplifies international money transfers, making them accessible and safe for users.
- Secure money transfers
- Online remittance system
- Easy to use interface
- Digital money sending
Read full descriptionHide full description
Pay-Quik is an online remittance system which will help you to send money in easy and secure way.
Screenshots
Verdict
The clearest difference is rating: T at 4.2 against Pay's 3.0. T also leads on ratings volume (80 vs 2). Pay's advantage is review sentiment (50% vs 31%) and update cadence (every 3 weeks vs every 2 months). On price, ads, in-app purchases and monetization model there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
T holds the better App Store score, 4.2 against 3.0. That said, the two scores are not equally well evidenced: T has 80 ratings behind it against 2, so its average is the more settled of the two. Written reviews complicate that: 31% of T's written reviews are positive against 50% of Pay's, so the app with the better star average is not the one people write more warmly about.
T ships an update every 2 months, Pay every 3 weeks. The most recent releases landed on October 14, 2026 and October 5, 2026 respectively.
| Parameter | T | Pay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.2 (80 ratings) — better | 3.0 (2 ratings) |
| Positive reviews | 31.3% of reviews | 50.0% of reviews — better |
| Number of ratings | 80 — better | 2 |
| Update frequency | Every 2 months | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 16.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 91 MB | 34 MB |
| Age rating | 4+ | 4+ |
| Developer | SomBank Ltd | Pay-Quik |
Customer experience
T
Pay
In-app purchases
T
No in-app purchases
Pay
No in-app purchases
