# HBL Microfinance vs PayFast

The clearest difference is rating: PayFast at 5.0 against HBL Microfinance's 3.4. HBL Microfinance's advantage is ratings volume (21 vs 1). On price, update cadence, 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.

PayFast holds the better App Store score, 5.0 against 3.4. That said, the two scores are not equally well evidenced: HBL Microfinance has 21 ratings behind it against 1, so its average is the more settled of the two.

HBL Microfinance ships an update every 2 months, PayFast monthly. The most recent releases landed on October 6, 2026 and September 23, 2026 respectively.

## The numbers

| Metric | HBL Microfinance | PayFast |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.4 (21 ratings)](https://appshunter.io/ios/app/hbl-microfinance/id1463030414/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/payfast/id6448896596/reviews)** |
| Number of ratings | **21** | 1 |
| Positive reviews | 16.7% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Monthly** |
| Monetization | Free | Free |
| Size | 201 MB | 16 MB |
| Requires iOS | 15.6 | 15.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [FMFB Pakistan](https://appshunter.io/developer/1364824103) | [AVANZA PREMIER PAYMENT SERVICES LIMITED](https://appshunter.io/developer/1686842558) |

## What reviewers say

### HBL Microfinance

[App page](https://appshunter.io/ios/app/hbl-microfinance/id1463030414)

Manage your finances with this all-in-one banking and mobile wallet app. Send money, pay bills, recharge your phone, and apply for instant digital loans securely. Open a digital account and wallet for convenient mobile banking.

**Highlights:** Send and receive money instantly, Pay utility bills digitally, Recharge mobile load and bundles, Apply for instant digital loans, Manage bank account and debit card, Open digital bank account and wallet

**Features:** Vision Pro support

**In-app purchases:** none


### PayFast

[App page](https://appshunter.io/ios/app/payfast/id6448896596)

Manage your finances digitally with this comprehensive payment app. Easily transfer money, shop online, and pay bills from one place. Track your spending with transaction history and insights, and enjoy 24/7 customer support.

**Highlights:** Digital money transfers, Online shopping payments, Bill payments, Transaction history and insights, QR code payments, 24/7 customer support

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is HBL Microfinance free?

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

### Is PayFast free?

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

### Which has better reviews, HBL Microfinance or PayFast?

PayFast is rated higher. HBL Microfinance averages 3.4 out of 5 from 21 ratings, while PayFast averages 5.0 from 1 ratings.

### Do HBL Microfinance or PayFast have ads?

Neither HBL Microfinance nor PayFast shows ads.

### Which is updated more often, HBL Microfinance or PayFast?

HBL Microfinance ships an update every 2 months, and PayFast monthly. Most recently, HBL Microfinance was updated on October 6, 2026 and PayFast on September 23, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*