# Instapay Chips vs Vivere

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.

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.

## The numbers

| Metric | Instapay Chips | Vivere |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (1 ratings)](https://appshunter.io/ios/app/instapay-chips/id1402727891/reviews) | [5.0 (1 ratings)](https://appshunter.io/ios/app/vivere/id6471830485/reviews) |
| Number of ratings | 1 | 1 |
| Positive reviews | 33.3% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Fortnightly** |
| Monetization | Free | Free |
| Size | 36 MB | 56 MB |
| Requires iOS | **15.6** | 16.4 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 17+ |
| Developer | [OMNEA PTY LTD](https://appshunter.io/developer/1244772972) | [Vivere Global](https://appshunter.io/developer/1676063260) |

## What reviewers say

### Instapay Chips

[App page](https://appshunter.io/ios/app/instapay-chips/id1402727891)

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.

**Highlights:** Instant money transfers, Earn cashback, Get rewarded with airtime/data, Track earnings and spending, Split funds for savings, Create payment requests

**Features:** macOS Compatibility

**In-app purchases:** none


### Vivere

[App page](https://appshunter.io/ios/app/vivere/id6471830485)

Manage and spend money globally with a multi-currency card. Access your funds seamlessly across borders for a borderless financial experience.

**Highlights:** Multi-currency card management, Borderless money access, Global spending capabilities, Secure financial management

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Instapay Chips free?

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

### Is Vivere free?

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

### Which has better reviews, Instapay Chips or Vivere?

Instapay Chips and Vivere are both rated 5.0 out of 5 on the App Store, from 1 and 1 ratings respectively.

### Do Instapay Chips or Vivere have ads?

Neither Instapay Chips nor Vivere shows ads.

### Which is updated more often, Instapay Chips or Vivere?

Instapay Chips ships an update monthly, and Vivere fortnightly. Most recently, Instapay Chips was updated on October 8, 2026 and Vivere on October 10, 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.*