# Jupay vs Panrate

The clearest difference is ratings volume: Jupay at 2.8K against Panrate's 2. Jupay also leads on update cadence (fortnightly vs monthly). Panrate's advantage is rating (5.0 vs 4.7) and iOS requirement (12.0 vs 15.6). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Panrate holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: Jupay has 2.8K ratings behind it against 2, so its average is the more settled of the two.

Jupay ships an update fortnightly, Panrate monthly. The most recent releases landed on October 16, 2026 and October 6, 2026 respectively.

## The numbers

| Metric | Jupay | Panrate |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (2.8K ratings)](https://appshunter.io/ios/app/jupay/id1441559846/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/panrate/id6748040409/reviews)** |
| Number of ratings | **2.8K** | 2 |
| Positive reviews | 67.4% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Monthly |
| Monetization | Free | Free |
| Size | 68 MB | 29 MB |
| Requires iOS | 15.6 | **12.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Juni Holdings Inc](https://appshunter.io/developer/1441559845) | [Bright Antwi Boasiako](https://appshunter.io/developer/1824038111) |

## What reviewers say

### Jupay

[App page](https://appshunter.io/ios/app/jupay/id1441559846)

Send money instantly and for free from the US, UK, and Canada to Ghana. Funds arrive in minutes directly to mobile wallets or bank accounts. Pay securely with debit cards or ACH, with real-time tracking and excellent support.

**Highlights:** Free transfers to Ghana, Instant money delivery, Mobile wallet and bank account deposits, Debit card and ACH payments, Real-time transaction tracking, FCA, FINTRAC registered

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and reliable money transfers
- 🔒 Secure personal information
- 👍 User-friendly app
- 💰 Great exchange rates

**What reviewers complain about**

- 🐛 App crashes and freezes
- 🤖 Poor customer service
- ⚠️ Accounts being flagged for no reason
- 🕰️ Slow money delivery

**Reported bugs**

- App not opening on some devices
- Issues with adding/updating payment methods
- Pending transactions not being processed

**Requested features**

- Update personal information easily
- Improve app stability and performance
- Enhance customer service responsiveness


### Panrate

[App page](https://appshunter.io/ios/app/panrate/id6748040409)

Easily compare real-time exchange rates and fees from multiple money transfer providers. Find the cheapest or fastest way to send money home, with full transparency on all costs before you commit.

**Highlights:** Real-time provider rates, Full fee transparency, Best Rate & Fastest tags, Multi-corridor coverage, One-tap deep links, Privacy-first approach

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Jupay free?

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

### Is Panrate free?

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

### Which has better reviews, Jupay or Panrate?

Panrate is rated higher. Jupay averages 4.7 out of 5 from 2.8K ratings, while Panrate averages 5.0 from 2 ratings.

### Do Jupay or Panrate have ads?

Neither Jupay nor Panrate shows ads.

### Which is updated more often, Jupay or Panrate?

Jupay ships an update fortnightly, and Panrate monthly. Most recently, Jupay was updated on October 16, 2026 and Panrate on October 6, 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.*