Ard vs NetPay by Netcapital
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Ard
Manage your financial assets globally with this secure application. View balances, transfer funds, pay bills, and even get loan approvals in minutes. It also offers automatic credit scoring, new account openings, and stock trading.
- Global account access
- View balances and history
- Fund transfers
- Bill payments
- 5-minute loan approvals
- Automatic credit scoring
- Stock trading
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Welcome to Ard App Өдөр тутмын банкны үйлчилгээнээс эхлээд хөрөнгө оруулалт, зээл, даатгалын үйлчилгээг нэг дороос хаанаас ч, хэзээ ч хялбар, хурдан удирдах боломж Таны Ард Аппад. Үндсэн боломжууд: • Салбарт ирэлгүйгээр Ард Аппын харилцагч болох • Шилжүүлэг, төгрөг болон ардкойны хосолсон гүйлгээ хийх • Нэхэмжлэх үүсгэх, бүх банкны данснаас орлого хүлээн авах • Гүйлгээ бүрд урамшуулал цуглуулах • Хэрэглээнд тохирсон зээлийн шийдлүүдээс сонгох • Хувааж төлөх үйлчилгээ • Өндөр өгөөжтэй хуримтлал үүсгэх • Хэрэглээний төлбөрөө автоматаар төлөх • Хөрөнгө оруулалт, арилжаа хийх • Бүх төрлийн даатгалын үйлчилгээ авах • Өдөр тутмын хэрэгцээнд нийцсэн мини аппууд Мөн та Ард Апп дахь нийт дансны үлдэгдэл болон эзэмшиж буй ардкойны зах зээлийн үнэлгээ тодорхой хэмжээнд хүрсэн тохиолдолд 5 одтой гишүүн болж, Ард Аппын нэмэлт давуу эрхүүдийг авах боломжтой. All your financial needs, powered by Ard App Manage your finances anytime, anywhere all in one place. From everyday banking to investments, loans, and insurance, everything you need is in Ard App. Key Features: •Become a customer instantly no branch visit required •Send money and make transactions in MNT and ardcoin •Create invoices and receive payments from any bank •Earn rewards with every transaction •Access loan solutions tailored to your needs •Split payments with flexible “Pay Later” options •Grow your savings with high-yield accounts •Automate your bill payments •Invest and trade with ease •Get access to a full range of insurance services •Explore lifestyle mini apps for your everyday needs Reach a certain balance across your accounts or ardcoin holdings to unlock 5-Star Membership and enjoy exclusive benefits within Ard App.
NetPay by Netcapital
This app allows users to register, view loan accounts, and track repayment history. Users can also make payments directly through the app using QPay or other banking apps without additional fees. Additional features include branch location lookup and profile updates.
- Self-registration via mobile app
- View loan account list
- Track loan repayment history
- Fee-free payments via QPay/banking apps
- Branch location lookup
- Update personal information
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Үндсэн боломж - Гар утасны аппликейшн ашиглан харилцагч өөрөө өөрийгөө бүртгүүлнэ. Зээл авахаасаа өмнө апп-аар бүртгүүлэн салбар дээр өнгөрүүлэх цаг хугацааг хэмнэнэ. - Зээлийн дансны жагсаалт харах. Одоо байгаа идэвхтэй харилцагчид зээлийн дансаа харах. - Зээлийн эргэн төлөлтийн мэдээллээ харах. Өмнө нь төлж байсан үнийн дүн, хугацаагаа харах. - Зээлээ QPay болон аль ч банкны апп-аар дамжуулан шууд Netapp-аасаа шимтгэлгүй төлөх. Нэмэлт боломжууд - Салбарын байршил харах - Өөрийн мэдээлэл шинэчлэх
Screenshots
Verdict
The clearest difference is rating: NetPay by Netcapital at 3.6 against Ard's 3.0. NetPay by Netcapital also leads on review sentiment (33% vs 11%). Ard's advantage is ratings volume (75 vs 11). On price, update cadence, ads and in-app purchases 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.
NetPay by Netcapital holds the better App Store score, 3.6 against 3.0. That said, the two scores are not equally well evidenced: Ard has 75 ratings behind it against 11, so its average is the more settled of the two. Written reviews point the same way: 11% of Ard's written reviews are positive against 33% of NetPay by Netcapital's.
Ard ships an update every 10 days, NetPay by Netcapital every 2 weeks. The most recent releases landed on October 22, 2026 and October 25, 2026 respectively.
| Parameter | Ard | NetPay by Netcapital |
|---|---|---|
| Price | Free | Free |
| Rating | 3.0 (75 ratings) | 3.6 (11 ratings) — better |
| Positive reviews | 10.7% of reviews | 33.3% of reviews — better |
| Number of ratings | 75 — better | 11 |
| Update frequency | Every 10 days — better | Every 2 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 — better | 15.5 |
| Further details — not scored | ||
| Size | 119 MB | 111 MB |
| Age rating | 4+ | 4+ |
| Developer | Ard Financial Group | Netcapital Financial Corporation NBFI LLC |
Customer experience
Ard
NetPay by Netcapital
In-app purchases
Ard
No in-app purchases
NetPay by Netcapital
No in-app purchases
