# WavePay vs FiNote

The clearest difference is in-app purchases: WavePay at none against FiNote's 4. WavePay also leads on iOS requirement (13.0 vs 17.0). FiNote's advantage is ads (none vs shown) and update cadence (every 3 days vs every 2 months). On price and device support there is nothing between them.

Both are free to download. FiNote sells 4 in-app purchases, starting at $8.99 per month. WavePay asks for nothing beyond the download.

WavePay ships an update every 2 months, FiNote every 3 days. The most recent releases landed on October 12, 2026 and October 9, 2026 respectively.

## The numbers

| Metric | WavePay | FiNote |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.8 (1.8K ratings)](https://appshunter.io/ios/app/wavepay/id1439175549/reviews)** | — |
| Number of ratings | **1.8K** | — |
| Positive reviews | 17.0% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 2 months | **Every 3 days** |
| Monetization | Free with in-app purchases | — |
| Size | 135 MB | 4 MB |
| Requires iOS | **13.0** | 17.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Wave Money](https://appshunter.io/developer/1234535228) | [PT Ide Brilian Digital](https://appshunter.io/developer/1621813089) |

## What reviewers say

### WavePay

[App page](https://appshunter.io/ios/app/wavepay/id1439175549)

This app facilitates digital payments for everyday needs, including sending money, scanning QR codes for purchases, topping up mobile credit, and paying bills. It offers secure transactions with PIN protection and a unique device login feature. Users can also link bank accounts and MPU cards for easy fund transfers.

**Highlights:** Send money via mobile number, Scan QR codes for instant payments, Mobile top-ups and pack purchases, Pay bills (internet, solar, insurance, loans), Link bank accounts and MPU cards, Secure transactions with PIN and secret code, Cash-in/Cash-out via agent shops

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and easy to use
- 🔒 Secure payment system
- 👍 Colorful and user-friendly UI
- 💡 Device authorization feature

**What reviewers complain about**

- 🐛 App crashes and freezes
- 🔒 Difficult account recovery process
- 👎 Poor customer service
- 💰 Deduction of remaining balance

**Reported bugs**

- App not supported on jailbroken/rooted devices
- Incompatibility issues with newer iOS versions
- Myanmar keyboard not working after updates

**Requested features**

- Allow NRC number for device authorization
- Integrate with popular banks and services
- Implement biometric login options
- Improve transaction history and balance tracking


### FiNote

[App page](https://appshunter.io/ios/app/finote-accounting-made-easy/id6799624548)

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| FiNote Starter Monthly | $8.99 | per month |
| FiNote Business Monthly | $29.99 | per month |
| FiNote Starter Yearly | $89.99 | per year |
| FiNote Business Yearly | $289.99 | per year |


## Frequently asked questions

### Is WavePay free?

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

### Is FiNote free?

FiNote is free to download, with in-app purchases available.

### Do WavePay or FiNote have ads?

WavePay shows ads; FiNote does not.

### Which is updated more often, WavePay or FiNote?

WavePay ships an update every 2 months, and FiNote every 3 days. Most recently, WavePay was updated on October 12, 2026 and FiNote on October 9, 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.*