PolyPay vs Fundz
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Exchange unwanted gift cards
- Swap gift cards with partners
- Convert unused credit
- Secure platform
- Access desired brands
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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.
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.
- 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
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
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.
| Parameter | PolyPay | Fundz |
|---|---|---|
| Price | Free | Free |
| Rating | 3.7 (3 ratings) | 3.7 (16 ratings) — better |
| Positive reviews | 50.0% of reviews — better | 0.0% of reviews |
| Number of ratings | 3 | 16 — better |
| Update frequency | Every 19 months | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 13.4 — better | 15.6 |
| Further details — not scored | ||
| Size | 14 MB | 113 MB |
| Age rating | 4+ | 4+ |
| Developer | Poly Pay Inc. | Cloud Payments, LLC (Apps) |
Customer experience
PolyPay
Fundz
In-app purchases
PolyPay
No in-app purchases
Fundz
No in-app purchases








