# Instapay Chips vs MiCash360

The clearest difference is update cadence: Instapay Chips at monthly against MiCash360's every 6 months. On price, ads, in-app purchases and device support 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, MiCash360 every 6 months. The most recent releases landed on October 8, 2026 and October 10, 2026 respectively.

## The numbers

| Metric | Instapay Chips | MiCash360 |
| --- | --- | --- |
| 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 6 months |
| Monetization | Free | — |
| Size | 36 MB | 38 MB |
| Requires iOS | 15.6 | **15.1** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [OMNEA PTY LTD](https://appshunter.io/developer/1244772972) | [MiCash360](https://appshunter.io/developer/1840843717) |

## 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


### MiCash360

[App page](https://appshunter.io/ios/app/micash360/id6752770500)

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

**In-app purchases:** none


## Frequently asked questions

### Is Instapay Chips free?

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

### Is MiCash360 free?

MiCash360 is free to download, with no in-app purchases.

### Do Instapay Chips or MiCash360 have ads?

Neither Instapay Chips nor MiCash360 shows ads.

### Which is updated more often, Instapay Chips or MiCash360?

Instapay Chips ships an update monthly, and MiCash360 every 6 months. Most recently, Instapay Chips was updated on October 8, 2026 and MiCash360 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.*