# ＰａｙＢ ｆｏｒ 滋賀銀行 vs chiica 貯まる、使える地域通貨アプリ「チーカ」

The clearest difference is review sentiment: ＰａｙＢ ｆｏｒ 滋賀銀行 at 88% against chiica 貯まる、使える地域通貨アプリ「チーカ」's 12%. chiica 貯まる、使える地域通貨アプリ「チーカ」's advantage is update cadence (monthly vs every 8 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.

ＰａｙＢ ｆｏｒ 滋賀銀行 ships an update every 8 months, chiica 貯まる、使える地域通貨アプリ「チーカ」 monthly. Both last shipped on November 6, 2026.

## The numbers

| Metric | ＰａｙＢ ｆｏｒ 滋賀銀行 | chiica 貯まる、使える地域通貨アプリ「チーカ」 |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | **87.5% of reviews** | 11.8% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 8 months | **Monthly** |
| Monetization | Free | Free |
| Size | 2 MB | 19 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [滋賀銀行](https://appshunter.io/developer/988617150) | [株式会社トラストバンク](https://appshunter.io/developer/1119074174) |

## What reviewers say

### ＰａｙＢ ｆｏｒ 滋賀銀行

[App page](https://appshunter.io/ios/app/id1359013386)

Pay bills easily by scanning barcodes with your smartphone. Funds are immediately debited from your registered Shiga Bank account, eliminating the need to visit a convenience store or bank branch. Available 24/7, excluding a brief maintenance window.

**Highlights:** Scan bill barcodes with smartphone camera, Immediate debit from Shiga Bank account, Pay bills anytime, anywhere, No need to visit physical locations, Free to use

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

**In-app purchases:** none


### chiica 貯まる、使える地域通貨アプリ「チーカ」

[App page](https://appshunter.io/ios/app/chiica/id1451689261)

This app allows users to earn and spend local currency points issued by municipalities. It also lists shops where these points and charged local currencies can be used, facilitating community engagement and local commerce.

**Highlights:** Earn local currency points, Spend local currency, View participating shops, Charge local currency, QR code payment system

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

**In-app purchases:** none


## Frequently asked questions

### Is ＰａｙＢ ｆｏｒ 滋賀銀行 free?

ＰａｙＢ ｆｏｒ 滋賀銀行 is free to download, with no in-app purchases.

### Is chiica 貯まる、使える地域通貨アプリ「チーカ」 free?

chiica 貯まる、使える地域通貨アプリ「チーカ」 is free to download, with no in-app purchases.

### Do ＰａｙＢ ｆｏｒ 滋賀銀行 or chiica 貯まる、使える地域通貨アプリ「チーカ」 have ads?

Neither ＰａｙＢ ｆｏｒ 滋賀銀行 nor chiica 貯まる、使える地域通貨アプリ「チーカ」 shows ads.

### Which is updated more often, ＰａｙＢ ｆｏｒ 滋賀銀行 or chiica 貯まる、使える地域通貨アプリ「チーカ」?

ＰａｙＢ ｆｏｒ 滋賀銀行 ships an update every 8 months, and chiica 貯まる、使える地域通貨アプリ「チーカ」 monthly. Most recently, ＰａｙＢ ｆｏｒ 滋賀銀行 was updated on November 6, 2026 and chiica 貯まる、使える地域通貨アプリ「チーカ」 on November 6, 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.*