# T vs Pay

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.

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.

## The numbers

| Metric | T | Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.2 (80 ratings)](https://appshunter.io/ios/app/t-plus/id1300716879/reviews)** | [3.0 (2 ratings)](https://appshunter.io/ios/app/pay-quik/id1450078299/reviews) |
| Number of ratings | **80** | 2 |
| Positive reviews | 31.3% of reviews | **50.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 91 MB | 34 MB |
| Requires iOS | 16.0 | **13.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [SomBank Ltd](https://appshunter.io/developer/1517449838) | [Pay-Quik](https://appshunter.io/developer/1534559147) |

## What reviewers say

### T

[App page](https://appshunter.io/ios/app/t-plus/id1300716879)

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.

**Highlights:** Remittance services, Financial transactions, Fund transfers, Withdrawals, Bill payments, Goods and services purchases

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

**In-app purchases:** none


### Pay

[App page](https://appshunter.io/ios/app/pay-quik/id1450078299)

Easily and securely send money online with this digital remittance system. It simplifies international money transfers, making them accessible and safe for users.

**Highlights:** Secure money transfers, Online remittance system, Easy to use interface, Digital money sending

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is T free?

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

### Is Pay free?

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

### Which has better reviews, T or Pay?

T is rated higher. T averages 4.2 out of 5 from 80 ratings, while Pay averages 3.0 from 2 ratings.

### Do T or Pay have ads?

Neither T nor Pay shows ads.

### Which is updated more often, T or Pay?

T ships an update every 2 months, and Pay every 3 weeks. Most recently, T was updated on October 14, 2026 and Pay on October 5, 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.*