# sai sai pay vs MTB Pay

The clearest difference is review sentiment: MTB Pay at 100% against sai sai pay's 39%. MTB Pay also leads on rating (4.9 vs 3.8). sai sai pay's advantage is update cadence (every 3 weeks vs every 4 months) and ratings volume (290 vs 10). 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.

MTB Pay holds the better App Store score, 4.9 against 3.8. That said, the two scores are not equally well evidenced: sai sai pay has 290 ratings behind it against 10, so its average is the more settled of the two. Written reviews point the same way: 39% of sai sai pay's written reviews are positive against 100% of MTB Pay's.

sai sai pay ships an update every 3 weeks, MTB Pay every 4 months. Both last shipped on October 24, 2026.

## The numbers

| Metric | sai sai pay | MTB Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.8 (290 ratings)](https://appshunter.io/ios/app/sai-sai-pay/id1504037925/reviews) | **[4.9 (10 ratings)](https://appshunter.io/ios/app/mtb-pay/id6470009961/reviews)** |
| Number of ratings | **290** | 10 |
| Positive reviews | 38.9% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 4 months |
| Monetization | Free | Free |
| Size | 34 MB | 74 MB |
| Requires iOS | **9.0** | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [UAB Bank Limited](https://appshunter.io/developer/1406305742) | [MYANMA TOURISM BANK PUBLIC COMPANY LIMITED](https://appshunter.io/developer/1610470566) |

## What reviewers say

### sai sai pay

[App page](https://appshunter.io/ios/app/sai-sai-pay/id1504037925)

Stay connected with your favorite artist and their community. This app allows you to make payments, transfer funds to friends, and purchase mobile top-ups. Future updates will enable buying artist merchandise directly.

**Highlights:** Artist news updates, In-app payments, Fund transfers to friends, Mobile top-up purchases, Artist merchandise purchasing (future)

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 🤩 Coolest app ever
- 💡 Great idea of collaboration
- 👍 Win-win situation
- 👍 Great UI/UX
- 👍 Easy to use

**What reviewers complain about**

- 👎 Just advertising
- 👎 Cannot play music well
- 👎 Very bad application
- 👎 UI/UX so lacking
- 👎 Stuck at passcode page

**Reported bugs**

- Cannot play music well
- Stuck at passcode page
- OTP can’t come in
- Network failures
- App can’t handle load

**Requested features**

- Music should run in the background outside the app
- Sound should be run after the app lock
- Songs should be run after lock
- Need more detailed features
- Can’t transfer from UAB app


### MTB Pay

[App page](https://appshunter.io/ios/app/mtb-pay/id6470009961)

Access financial services directly from your smartphone, 24/7. Perform seamless money transfers, top-ups, bill payments, and merchant transactions without banking hour limitations.

**Highlights:** Seamless Money Transfers, Top Up, Bill Payment, Cash In/ Cash Out, Merchant Payments

**In-app purchases:** none


## Frequently asked questions

### Is sai sai pay free?

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

### Is MTB Pay free?

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

### Which has better reviews, sai sai pay or MTB Pay?

MTB Pay is rated higher. sai sai pay averages 3.8 out of 5 from 290 ratings, while MTB Pay averages 4.9 from 10 ratings.

### Do sai sai pay or MTB Pay have ads?

Neither sai sai pay nor MTB Pay shows ads.

### Which is updated more often, sai sai pay or MTB Pay?

sai sai pay ships an update every 3 weeks, and MTB Pay every 4 months. Most recently, sai sai pay was updated on October 24, 2026 and MTB Pay on October 24, 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.*