# Balanz vs Modapago | Smart Payments

The clearest difference is update cadence: Modapago | Smart Payments at every 5 days against Balanz's monthly. Modapago | Smart Payments also leads on iOS requirement (13.0 vs 16.0). 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.

Balanz ships an update monthly, Modapago | Smart Payments every 5 days. The most recent releases landed on November 4, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | Balanz | Modapago | Smart Payments |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (174 ratings)](https://appshunter.io/ios/app/balanz/id1318206099/reviews)** | — |
| Number of ratings | **174** | — |
| Positive reviews | 27.5% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 5 days** |
| Monetization | Ad-supported | — |
| Size | 120 MB | 22 MB |
| Requires iOS | 16.0 | **13.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Balanz](https://appshunter.io/developer/1298032869) | [SMART PAYMENTS SA](https://appshunter.io/developer/1477479272) |

## What reviewers say

### Balanz

[App page](https://appshunter.io/ios/app/balanz/id1318206099)

Open an investment account to trade various market assets in real-time. Track holdings, invest in mutual funds, CEDEARs, stocks, bonds, and manage USD MEP. Execute trades instantly with Direct Market Access.

**Highlights:** Open Investment Account, Real-time Holdings Tracking, Invest in Mutual Funds, CEDEARs, Stocks, Bonds, USD MEP Trading, Direct Market Access (DMA), Instant Order Execution

**Features:** Vision Pro support

**In-app purchases:** none


### Modapago | Smart Payments

[App page](https://appshunter.io/ios/app/modapago-smart-payments/id1477479273)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Balanz free?

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

### Is Modapago | Smart Payments free?

Modapago | Smart Payments is free to download, with no in-app purchases.

### Do Balanz or Modapago | Smart Payments have ads?

Neither Balanz nor Modapago | Smart Payments shows ads.

### Which is updated more often, Balanz or Modapago | Smart Payments?

Balanz ships an update monthly, and Modapago | Smart Payments every 5 days. Most recently, Balanz was updated on November 4, 2026 and Modapago | Smart Payments on November 3, 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.*