# Instapay Chips vs Lula

The clearest difference is device support: Instapay Chips at 3 against Lula's 1. 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.

Instapay Chips ships an update monthly, Lula every 3 weeks. The most recent releases landed on August 16, 2026 and August 3, 2026 respectively.

## The numbers

| Metric | Instapay Chips | Lula |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/instapay-chips/id1402727891/reviews)** | — |
| Number of ratings | **1** | — |
| Positive reviews | 33.3% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 3 weeks** |
| Monetization | Free | — |
| Size | 36 MB | 43 MB |
| Requires iOS | **15.6** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [OMNEA PTY LTD](https://appshunter.io/developer/1244772972) | [Lula Lend (Pty)Ltd](https://appshunter.io/developer/1763803266) |

## 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


### Lula

[App page](https://appshunter.io/ios/app/lula/id6648781195)

**In-app purchases:** none


## Frequently asked questions

### Is Instapay Chips free?

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

### Is Lula free?

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

### Do Instapay Chips or Lula have ads?

Neither Instapay Chips nor Lula shows ads.

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

Instapay Chips ships an update monthly, and Lula every 3 weeks. Most recently, Instapay Chips was updated on August 16, 2026 and Lula on August 3, 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.*