# Ard vs NetPay by Netcapital

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.

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.

## The numbers

| Metric | Ard | NetPay by Netcapital |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (75 ratings)](https://appshunter.io/ios/app/ard/id1369846744/reviews) | **[3.6 (11 ratings)](https://appshunter.io/ios/app/netpay-by-netcapital/id1534832850/reviews)** |
| Number of ratings | **75** | 11 |
| Positive reviews | 10.7% of reviews | **33.3% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 10 days** | Every 2 weeks |
| Monetization | Free | Free |
| Size | 119 MB | 111 MB |
| Requires iOS | **15.0** | 15.5 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Ard Financial Group](https://appshunter.io/developer/1369846743) | [Netcapital Financial Corporation NBFI LLC](https://appshunter.io/developer/1534832852) |

## What reviewers say

### Ard

[App page](https://appshunter.io/ios/app/ard/id1369846744)

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.

**Highlights:** Global account access, View balances and history, Fund transfers, Bill payments, 5-minute loan approvals, Automatic credit scoring, Stock trading

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

**In-app purchases:** none


### NetPay by Netcapital

[App page](https://appshunter.io/ios/app/netpay-by-netcapital/id1534832850)

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.

**Highlights:** 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

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

**In-app purchases:** none


## Frequently asked questions

### Is Ard free?

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

### Is NetPay by Netcapital free?

NetPay by Netcapital is free to download, with no in-app purchases.

### Which has better reviews, Ard or NetPay by Netcapital?

NetPay by Netcapital is rated higher. Ard averages 3.0 out of 5 from 75 ratings, while NetPay by Netcapital averages 3.6 from 11 ratings.

### Do Ard or NetPay by Netcapital have ads?

Neither Ard nor NetPay by Netcapital shows ads.

### Which is updated more often, Ard or NetPay by Netcapital?

Ard ships an update every 10 days, and NetPay by Netcapital every 2 weeks. Most recently, Ard was updated on October 22, 2026 and NetPay by Netcapital on October 25, 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.*