# PolyPay vs Fundz

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.

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.

## The numbers

| Metric | PolyPay | Fundz |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.7 (3 ratings)](https://appshunter.io/ios/app/polypay/id1521223331/reviews) | **[3.7 (16 ratings)](https://appshunter.io/ios/app/fundz/id1540851029/reviews)** |
| Number of ratings | 3 | **16** |
| Positive reviews | **50.0% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 19 months | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 14 MB | 113 MB |
| Requires iOS | **13.4** | 15.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Poly Pay Inc.](https://appshunter.io/developer/1520592579) | [Cloud Payments, LLC (Apps)](https://appshunter.io/developer/1512007607) |

## What reviewers say

### PolyPay

[App page](https://appshunter.io/ios/app/polypay/id1521223331)

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:** macOS Compatibility

**In-app purchases:** none


### Fundz

[App page](https://appshunter.io/ios/app/fundz/id1540851029)

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

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*