Comparison

PolyPay vs Fundz

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

PolyPay

Exchange unwanted gift cards for ones you prefer. This platform connects you with others to swap gift cards, preventing them from going to waste. Easily convert unused credit into funds for brands you actually want to shop with.

Highlights
  • Exchange unwanted gift cards
  • Swap gift cards with partners
  • Convert unused credit
  • Secure platform
  • Access desired brands
Features
Read full description

PolyPay turns unwanted gift cards into the ones you actually want. Stop letting well-meaning gifts go to waste - instantly exchange your unused gift cards for brands you love. Our secure platform matches you with perfect swap partners, so you can effortlessly turn that coffee shop card into your favorite clothing store credit. Never let another gift card collect dust again. Download PolyPay and start shopping where you want.

About

Fundz

Easily manage your money and conduct digital transactions for everyday activities. Send and request funds, create shared monetary funds for events, and securely withdraw your balance to your bank account.

Highlights
  • Send and request money
  • Create shared funds for events
  • Track transactions
  • Withdraw funds to bank account
  • Link multiple cards and bank accounts
  • Receive transaction notifications
Read full description

The Fundz app allows you to manage your funds in a contacless manner and conduct digital transactions for numerous activities in your day-to-day life. Check out all the great features available that we are sure you'll love... SEND AND REQUEST MONEY • Create an account with an email address, bank account, or credit/debit card and start using the Fundz app. • Use your QR code to send or request money right away with Fundz. • Search by email address to find the person you’re looking for. • Fundz keeps track of all your incoming, outgoing, and pending transactions. SHARED FUNDZ • Create a monetary fund for dinners with friends, fundraisers, or any other event. • Invite friends, family, or colleagues to participate in your fund by easily and securely sending money within the app. • Contribute to funds you have been invited to with just a few taps. • Track the progress and see contributions to your funds until you’ve reached your goal. • Use the fund QR code to invite others in. CASH OUT • You can withdraw money from your balance to your bank account any time you want. • Link multiple cards and bank accounts to your Fundz app. • You can load digital balances using a credit/debit card or directly from your bank account. NOTIFICATIONS • Receive push notifications so you won't miss any transaction or invitation.

Screenshots

PolyPay4 screens
Fundz4 screens

Verdict

The call

PolyPay and Fundz both sit at 3.7 stars, but that hides the real split: 50% of PolyPay's written reviews are positive against 0% of Fundz's. PolyPay also leads on iOS requirement (13.4 vs 15.6). Fundz's advantage is update cadence (every 3 weeks vs every 19 months) and ratings volume (16 vs 3). On price, rating, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 3.7 for PolyPay against 3.7 for Fundz. That said, the two scores are not equally well evidenced: Fundz has 16 ratings behind it against 3, so its average is the more settled of the two. Written reviews are what separate them: 50% of PolyPay's written reviews are positive against 0% of Fundz's.

UpkeepUpdate frequency

PolyPay ships an update every 19 months, Fundz every 3 weeks. The most recent releases landed on October 3, 2026 and September 28, 2026 respectively.

Scorecard4 real differences · 6 level
PolyPay versus Fundz: the parameters behind the verdict, then further details
ParameterPolyPayFundz
PriceFreeFree
Rating3.7 (3 ratings)3.7 (16 ratings) — better
Positive reviews50.0% of reviews — better0.0% of reviews
Number of ratings316 — better
Update frequencyEvery 19 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS13.4 — better15.6
Further details — not scored
Size14 MB113 MB
Age rating4+4+
DeveloperPoly Pay Inc.Cloud Payments, LLC (Apps)

Customer experience

PolyPay

All ratings3 ratings
Positive66.7%
Neutral0.0%
Negative33.3%
Written reviews4 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

Fundz

All ratings16 ratings
Positive68.8%
Neutral0.0%
Negative31.3%
Written reviews5 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

PolyPay

No in-app purchases

None

Fundz

No in-app purchases

Questions

Is PolyPay free?
PolyPay is free to download, with no in-app purchases.
Is Fundz free?
Fundz is free to download, with no in-app purchases.
Which has better reviews, PolyPay or Fundz?
Fundz is rated higher. PolyPay averages 3.7 out of 5 from 3 ratings, while Fundz averages 3.7 from 16 ratings.
Do PolyPay or Fundz have ads?
Neither PolyPay nor Fundz shows ads.
Which is updated more often, PolyPay or Fundz?
PolyPay ships an update every 19 months, and Fundz every 3 weeks. Most recently, PolyPay was updated on October 3, 2026 and Fundz on September 28, 2026.

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