# Latipay vs VMBanks

The clearest difference is review sentiment: Latipay at 100% against VMBanks's 0%. VMBanks's advantage is rating (3.7 vs 3.0). On price, ratings volume, update cadence and ads there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

VMBanks holds the better App Store score, 3.7 against 3.0. Both are backed by a comparable volume of ratings — 2 and 3 respectively. Written reviews complicate that: 100% of Latipay's written reviews are positive against 0% of VMBanks's, so the app with the better star average is not the one people write more warmly about.

Latipay ships an update fortnightly, VMBanks every 3 weeks. Both last shipped on October 24, 2026.

## The numbers

| Metric | Latipay | VMBanks |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (2 ratings)](https://appshunter.io/ios/app/latipay/id1384312904/reviews) | **[3.7 (3 ratings)](https://appshunter.io/ios/app/vmbanks/id6761894858/reviews)** |
| Number of ratings | 2 | **3** |
| Positive reviews | **100.0% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 3 weeks |
| Monetization | Free | Free |
| Size | 40 MB | 29 MB |
| Requires iOS | **12.0** | 13.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Latitude Technologies Limited](https://appshunter.io/developer/1328154296) | [VMSHELL INC](https://appshunter.io/developer/1615424625) |

## What reviewers say

### Latipay

[App page](https://appshunter.io/ios/app/latipay/id1384312904)

Accept payments securely on your mobile device from anywhere. Supports popular payment solutions like Alipay and WeChat Pay, allowing customers to pay in their preferred method while you receive funds in NZD. Get instant confirmations and automated financial reports.

**Highlights:** Accept payments via QR code, links, email, or SMS, Supports Alipay and WeChat Pay, Receive payments in NZD, Instant payment notifications, Automated monthly financial reports, Multi-currency support

**In-app purchases:** none


### VMBanks

[App page](https://appshunter.io/ios/app/vmbanks/id6761894858)

A modern financial application for managing, spending, and growing your money. It offers virtual cards, digital assets, and flexible savings options all within a single platform.

**Highlights:** Money management, Spending tracking, Virtual cards, Digital assets, Flexible savings

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

**In-app purchases:** none


## Frequently asked questions

### Is Latipay free?

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

### Is VMBanks free?

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

### Which has better reviews, Latipay or VMBanks?

VMBanks is rated higher. Latipay averages 3.0 out of 5 from 2 ratings, while VMBanks averages 3.7 from 3 ratings.

### Do Latipay or VMBanks have ads?

Neither Latipay nor VMBanks shows ads.

### Which is updated more often, Latipay or VMBanks?

Latipay ships an update fortnightly, and VMBanks every 3 weeks. Most recently, Latipay was updated on October 24, 2026 and VMBanks on October 24, 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.*