# HBL Microfinance vs Payvay

HBL Microfinance and Payvay are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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

HBL Microfinance ships an update every 2 months, Payvay every 3 months. The most recent releases landed on October 6, 2026 and October 1, 2026 respectively.

## The numbers

| Metric | HBL Microfinance | Payvay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.4 (21 ratings)](https://appshunter.io/ios/app/hbl-microfinance/id1463030414/reviews)** | — |
| Number of ratings | **21** | — |
| Positive reviews | 16.7% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 months** | Every 3 months |
| Monetization | Free | — |
| Size | 201 MB | 74 MB |
| Requires iOS | 15.6 | 15.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [FMFB Pakistan](https://appshunter.io/developer/1364824103) | [CERISMA PRIVATE LIMITED](https://appshunter.io/developer/1846081367) |

## 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


### Payvay

[App page](https://appshunter.io/ios/app/payvay/id6753979642)

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

**In-app purchases:** none


## Frequently asked questions

### Is HBL Microfinance free?

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

### Is Payvay free?

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

### Do HBL Microfinance or Payvay have ads?

Neither HBL Microfinance nor Payvay shows ads.

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

HBL Microfinance ships an update every 2 months, and Payvay every 3 months. Most recently, HBL Microfinance was updated on October 6, 2026 and Payvay on October 1, 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.*