# Token SGB vs Pay

The clearest difference is review sentiment: Pay at 100% against Token SGB's 33%. Pay also leads on rating (4.5 vs 4.0) and update cadence (every 2 weeks vs every 5 months). On price, ratings volume, 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.

Pay holds the better App Store score, 4.5 against 4.0. Both are backed by a comparable volume of ratings — 1 and 2 respectively. Written reviews point the same way: 33% of Token SGB's written reviews are positive against 100% of Pay's.

Token SGB ships an update every 5 months, Pay every 2 weeks. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | Token SGB | Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.0 (1 ratings)](https://appshunter.io/ios/app/token-sgb/id1424255202/reviews) | **[4.5 (2 ratings)](https://appshunter.io/ios/app/pay-u/id1658653409/reviews)** |
| Number of ratings | 1 | **2** |
| Positive reviews | 33.3% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 16 MB | 53 MB |
| Requires iOS | 13.0 | **12.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [SGB Bank S.A.](https://appshunter.io/developer/1047577259) | [Pay-U Technologies LLC](https://appshunter.io/developer/1658653411) |

## What reviewers say

### Token SGB

[App page](https://appshunter.io/ios/app/token-sgb/id1424255202)

This mobile application provides secure and convenient access to online banking services for both individual and corporate clients. It offers an intuitive alternative to traditional access methods, requiring in-branch setup and a unique PIN for secure login.

**Highlights:** Secure access to online banking, Alternative to traditional access methods, Intuitive and convenient interface, Mobile authorization and login, Unique PIN for app access

**Features:** macOS Compatibility

**In-app purchases:** none


### Pay

[App page](https://appshunter.io/ios/app/pay-u/id1658653409)

This app offers a unique approach to motor insurance, allowing users to pay for comprehensive coverage on a minute-by-minute basis. It provides an affordable and flexible way to manage your vehicle's insurance needs.

**Highlights:** Pay-per-minute insurance, Comprehensive motor coverage, Affordable insurance options, Flexible payment plans

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Token SGB free?

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

### Is Pay free?

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

### Which has better reviews, Token SGB or Pay?

Pay is rated higher. Token SGB averages 4.0 out of 5 from 1 ratings, while Pay averages 4.5 from 2 ratings.

### Do Token SGB or Pay have ads?

Neither Token SGB nor Pay shows ads.

### Which is updated more often, Token SGB or Pay?

Token SGB ships an update every 5 months, and Pay every 2 weeks. Most recently, Token SGB was updated on November 2, 2026 and Pay on November 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.*