# CBiBank vs Happy Pay

The clearest difference is review sentiment: CBiBank at 80% against Happy Pay's 7%. Happy Pay's advantage is rating (4.9 vs 4.6) and iOS requirement (9.0 vs 13.0). On price, ratings volume, update cadence 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.

Happy Pay holds the better App Store score, 4.9 against 4.6. Both are backed by a comparable volume of ratings — 93 and 35 respectively. Written reviews complicate that: 80% of CBiBank's written reviews are positive against 7% of Happy Pay's, so the app with the better star average is not the one people write more warmly about.

CBiBank ships an update every 6 weeks, Happy Pay every 3 weeks. The most recent releases landed on September 13, 2026 and July 12, 2026 respectively.

## The numbers

| Metric | CBiBank | Happy Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (93 ratings)](https://appshunter.io/ios/app/cbibank/id1433853123/reviews) | **[4.9 (35 ratings)](https://appshunter.io/ios/app/happy-pay/id1447862071/reviews)** |
| Number of ratings | **93** | 35 |
| Positive reviews | **80.0% of reviews** | 7.1% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 136 MB | 81 MB |
| Requires iOS | 13.0 | **9.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [CB INTERNATIONAL BANK LLC](https://appshunter.io/developer/1433853122) | [Shenzhen Yeahka Company Limited](https://appshunter.io/developer/557519086) |

## What reviewers say

### CBiBank

[App page](https://appshunter.io/ios/app/cbibank/id1433853123)

Open an international bank account online with this service, offering a transparent fee structure and robust account protection. Access multi-currency accounts and dedicated support in multiple languages for global financial needs.

**Highlights:** 100% online bank opening, Transparent fee structure, Account protection system, Offshore expert services, Multi-currency accounts, Multi-language support

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

**In-app purchases:** none


### Happy Pay

[App page](https://appshunter.io/ios/app/happy-pay/id1447862071)

This mobile payment app allows users to make and receive payments anytime, anywhere, with funds arriving 24/7. It ensures secure transactions, funds, and information for merchants, offering comprehensive and convenient mobile acquiring services.

**Highlights:** 24/7 instant fund arrival, Secure merchant transactions, Convenient mobile acquiring, Real-time payment processing, Comprehensive financial services

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is CBiBank free?

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

### Is Happy Pay free?

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

### Which has better reviews, CBiBank or Happy Pay?

Happy Pay is rated higher. CBiBank averages 4.6 out of 5 from 93 ratings, while Happy Pay averages 4.9 from 35 ratings.

### Do CBiBank or Happy Pay have ads?

Neither CBiBank nor Happy Pay shows ads.

### Which is updated more often, CBiBank or Happy Pay?

CBiBank ships an update every 6 weeks, and Happy Pay every 3 weeks. Most recently, CBiBank was updated on September 13, 2026 and Happy Pay on July 12, 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.*