Instapay Chips vs Vivere
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Instapay Chips
Manage your daily finances with this app designed for South Africans. Send and receive money instantly, earn cashback, and track your spending. Split funds for savings and daily use, and create payment requests.
- Instant money transfers
- Earn cashback
- Get rewarded with airtime/data
- Track earnings and spending
- Split funds for savings
- Create payment requests
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InstaPay Chips is your all-in-one money app designed for everyday South Africans. Whether you're working full-time, earning per gig, or just managing your day-to-day expenses, InstaPay Chips gives you the tools to stay in control of your money — fast, simple, and secure. With InstaPay Chips, you can: • Send and receive money instantly — no bank account needed • Earn instant cashback at participating stores • Get rewarded with airtime and data • Track your earnings and manage spending with ease • Split your funds between savings and daily use • Create and share payment requests with friends, family, or customers Why InstaPay Chips? • 100% free to use • Fast, secure sign-up with just your ID • Built for everyone — from gig workers to everyday spenders • Spend smarter, save more, and take full control of your finances Want more features? Upgrade to InstaPay Gini — our advanced app offering additional functionality, rewards, and even interest on your balance. Download InstaPay Chips now — and make every chip count.
Vivere
Manage and spend money globally with a multi-currency card. Access your funds seamlessly across borders for a borderless financial experience.
- Multi-currency card management
- Borderless money access
- Global spending capabilities
- Secure financial management
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The Vivere multi-currency card mobile application that makes accessing, managing and spending your money a borderless experience.
Screenshots
Verdict
The clearest difference is update cadence: Vivere at fortnightly against Instapay Chips's monthly. On price, rating, ratings volume and ads 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.
On the App Store both sit at effectively the same score — 5.0 for Instapay Chips against 5.0 for Vivere. Both are backed by a comparable volume of ratings — 1 and 1 respectively.
Instapay Chips ships an update monthly, Vivere fortnightly. The most recent releases landed on October 8, 2026 and October 10, 2026 respectively.
| Parameter | Instapay Chips | Vivere |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) | 5.0 (1 ratings) |
| Positive reviews | 33.3% of reviews | — |
| Number of ratings | 1 | 1 |
| Update frequency | Monthly | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 15.6 — better | 16.4 |
| Further details — not scored | ||
| Size | 36 MB | 56 MB |
| Age rating | 4+ | 17+ |
| Developer | OMNEA PTY LTD | Vivere Global |
Customer experience
Instapay Chips
Vivere
In-app purchases
Instapay Chips
No in-app purchases
Vivere
No in-app purchases
