# PolyPay vs USA National

PolyPay and USA National both sit at 3.7 stars, but that hides the real split: 50% of PolyPay's written reviews are positive against 0% of USA National's. USA National's advantage is update cadence (every 3 weeks vs every 19 months). On price, rating, ratings volume and ads 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 USA National. Both are backed by a comparable volume of ratings — 3 and 3 respectively. Written reviews are what separate them: 50% of PolyPay's written reviews are positive against 0% of USA National's.

PolyPay ships an update every 19 months, USA National every 3 weeks. The most recent releases landed on October 3, 2026 and October 6, 2026 respectively.

## The numbers

| Metric | PolyPay | USA National |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.7 (3 ratings)](https://appshunter.io/ios/app/polypay/id1521223331/reviews) | [3.7 (3 ratings)](https://appshunter.io/ios/app/usa-national/id6451110951/reviews) |
| Number of ratings | 3 | 3 |
| 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 | 50 MB |
| Requires iOS | 13.4 | **13.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Poly Pay Inc.](https://appshunter.io/developer/1520592579) | [File Right LLC](https://appshunter.io/developer/1212463853) |

## 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


### USA National

[App page](https://appshunter.io/ios/app/usa-national/id6451110951)

A digital banking service designed for immigrants, offering a user-friendly interface to manage finances, transfer money, and access banking services. It allows users to view all their funds in one place and use a Visa Debit Card anywhere it's accepted.

**Highlights:** Consolidated money view, Quick money transfers, Send money to members/ACH, Visa Debit Card acceptance, Transaction history

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is PolyPay free?

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

### Is USA National free?

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

### Which has better reviews, PolyPay or USA National?

PolyPay and USA National are both rated 3.7 out of 5 on the App Store, from 3 and 3 ratings respectively.

### Do PolyPay or USA National have ads?

Neither PolyPay nor USA National shows ads.

### Which is updated more often, PolyPay or USA National?

PolyPay ships an update every 19 months, and USA National every 3 weeks. Most recently, PolyPay was updated on October 3, 2026 and USA National on October 6, 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.*