# Pipol Pay vs Utoppia

The clearest difference is rating: Utoppia at 4.7 against Pipol Pay's 3.0. Utoppia also leads on review sentiment (71% vs 31%) and update cadence (every 2 weeks vs every 3 months). On price, ratings volume, 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.

Utoppia holds the better App Store score, 4.7 against 3.0. Both are backed by a comparable volume of ratings — 60 and 90 respectively. Written reviews point the same way: 31% of Pipol Pay's written reviews are positive against 71% of Utoppia's.

Pipol Pay ships an update every 3 months, Utoppia every 2 weeks. The most recent releases landed on October 22, 2026 and October 27, 2026 respectively.

## The numbers

| Metric | Pipol Pay | Utoppia |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (60 ratings)](https://appshunter.io/ios/app/pipol-pay/id1497117944/reviews) | **[4.7 (90 ratings)](https://appshunter.io/ios/app/utoppia/id1603840223/reviews)** |
| Number of ratings | 60 | **90** |
| Positive reviews | 31.0% of reviews | **70.6% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 155 MB | 246 MB |
| Requires iOS | 16.6 | **15.6** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [FACEBANK International Corp.](https://appshunter.io/developer/1461339067) | [Utoppia Inc](https://appshunter.io/developer/1603231054) |

## What reviewers say

### Pipol Pay

[App page](https://appshunter.io/ios/app/pipol-pay/id1497117944)

This mobile payment service allows account holders to easily transfer funds to other users or make payments to businesses directly from their phone. It simplifies peer-to-peer and business transactions through a convenient app interface.

**Highlights:** Mobile payment service, Transfer funds to others, Pay businesses via app, Owned by FACEBANK

**Features:** Vision Pro support

**In-app purchases:** none


### Utoppia

[App page](https://appshunter.io/ios/app/utoppia/id1603840223)

Open a U.S. dollar account in your name from anywhere globally. Manage traditional and digital dollars, send money across borders instantly, and control your finances seamlessly. All within a single, secure application.

**Highlights:** Open U.S. dollar account, Manage traditional USD, Manage digital dollars (USDC, USDT), Global money transfers, Fully digital account opening, Secure and in your name

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Pipol Pay free?

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

### Is Utoppia free?

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

### Which has better reviews, Pipol Pay or Utoppia?

Utoppia is rated higher. Pipol Pay averages 3.0 out of 5 from 60 ratings, while Utoppia averages 4.7 from 90 ratings.

### Do Pipol Pay or Utoppia have ads?

Neither Pipol Pay nor Utoppia shows ads.

### Which is updated more often, Pipol Pay or Utoppia?

Pipol Pay ships an update every 3 months, and Utoppia every 2 weeks. Most recently, Pipol Pay was updated on October 22, 2026 and Utoppia on October 27, 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.*