# Payhawk vs Tap

The clearest difference is ratings volume: Payhawk at 254 against Tap's 25. Payhawk also leads on update cadence (every 3 days vs weekly) and review sentiment (60% vs 49%). On price, rating, 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.

On the App Store both sit at effectively the same score — 4.5 for Payhawk against 4.5 for Tap. That said, the two scores are not equally well evidenced: Payhawk has 254 ratings behind it against 25, so its average is the more settled of the two. Written reviews are what separate them: 60% of Payhawk's written reviews are positive against 49% of Tap's.

Payhawk ships an update every 3 days, Tap weekly. The most recent releases landed on November 10, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | Payhawk | Tap |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (254 ratings)](https://appshunter.io/ios/app/payhawk/id1440618802/reviews)** | [4.5 (25 ratings)](https://appshunter.io/ios/app/tap-mobile-finance/id1492263993/reviews) |
| Number of ratings | **254** | 25 |
| Positive reviews | **59.6% of reviews** | 48.8% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 days** | Weekly |
| Monetization | Free | Free |
| Size | 152 MB | 250 MB |
| Requires iOS | 16.4 | **15.6** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [Payhawk OOD](https://appshunter.io/developer/1440618801) | [Tap Global Limited](https://appshunter.io/developer/1492263992) |

## What reviewers say

### Payhawk

[App page](https://appshunter.io/ios/app/payhawk/id1440618802)

Manage your company's entire spending lifecycle with digital compliance. Issue cards, set limits, and automate expense reports and receipt management. Integrates with accounting systems for seamless reconciliation.

**Highlights:** Instant card issuance (physical/virtual), Customizable spending limits, Automated receipt and invoice capture, Smart expense categorization, Real-time budget vs. actual reports, Accounting system integrations, SEPA and Faster Payments transfers

**Features:** Apple Wallet

**In-app purchases:** none


### Tap

[App page](https://appshunter.io/ios/app/tap-mobile-finance/id1492263993)

Manage your money globally with ease. This app offers borderless spending, effortless money tracking, and simple international transfers. Enjoy instant notifications, customizable security, and worldwide card acceptance for a seamless financial experience.

**Highlights:** Borderless spending in multiple currencies, Effortless money management and tracking, Global money transfers, Instant transaction notifications, Customizable security features, Worldwide card acceptance, Competitive exchange rates, 24/7 customer support

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

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use interface
- 🚀 Fast transactions
- 💰 Low fees
- 💳 Useful Mastercard
- 🔒 Regulated and secure

**What reviewers complain about**

- ❌ Account blocked/closed
- 🐛 App glitches and errors
- 💸 High or unclear fees
- 🚫 Difficulty accessing funds
- 🤔 Poor customer service

**Reported bugs**

- App told user approved then rejected
- Account closed after 4 years
- £50k investment now worth £77
- Lost phone number, no access
- Deposit not shown in app

**Requested features**

- XTP coin availability in USA
- Chart for each token
- Auto buying feature
- Favourites section
- Dark mode option


## Frequently asked questions

### Is Payhawk free?

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

### Is Tap free?

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

### Which has better reviews, Payhawk or Tap?

Payhawk is rated higher. Payhawk averages 4.5 out of 5 from 254 ratings, while Tap averages 4.5 from 25 ratings.

### Do Payhawk or Tap have ads?

Neither Payhawk nor Tap shows ads.

### Which is updated more often, Payhawk or Tap?

Payhawk ships an update every 3 days, and Tap weekly. Most recently, Payhawk was updated on November 10, 2026 and Tap 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.*