# Toby Mertchant vs By Nexus

The clearest difference is in-app purchases: Toby Mertchant at none against By Nexus's 2. Toby Mertchant also leads on iOS requirement (15.6 vs 17.0). By Nexus's advantage is update cadence (every 4 days vs every 3 months). On price, ads and device support there is nothing between them.

Both are free to download. By Nexus sells 2 in-app purchases, starting at $24.99 per month. Toby Mertchant asks for nothing beyond the download.

Toby Mertchant ships an update every 3 months, By Nexus every 4 days. The most recent releases landed on October 26, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Toby Mertchant | By Nexus |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 4 days** |
| Size | 55 MB | 163 MB |
| Requires iOS | **15.6** | 17.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Toby Technology Limited, Hong Kong SAR](https://appshunter.io/developer/1141852145) | [Nexus InsurTech](https://appshunter.io/developer/1896286564) |

## What reviewers say

### Toby Mertchant

[App page](https://appshunter.io/ios/app/toby-mertchant/id1459959185)

**In-app purchases:** none


### By Nexus

[App page](https://appshunter.io/ios/app/by-nexus/id6766416595)

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Subscription | $24.99 | per month |
| Annual Subscription | $249.99 | per year |


## Frequently asked questions

### Is Toby Mertchant free?

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

### Is By Nexus free?

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

### Do Toby Mertchant or By Nexus have ads?

Neither Toby Mertchant nor By Nexus shows ads.

### Which is updated more often, Toby Mertchant or By Nexus?

Toby Mertchant ships an update every 3 months, and By Nexus every 4 days. Most recently, Toby Mertchant was updated on October 26, 2026 and By Nexus on October 31, 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.*