# Hometown vs 9jaPay

The clearest difference is rating: Hometown at 4.3 against 9jaPay's 2.5. Hometown also leads on ratings volume (721 vs 10) and review sentiment (31% vs 20%). On price, update cadence, 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.

Hometown holds the better App Store score, 4.3 against 2.5. That said, the two scores are not equally well evidenced: Hometown has 721 ratings behind it against 10, so its average is the more settled of the two. Written reviews point the same way: 31% of Hometown's written reviews are positive against 20% of 9jaPay's.

Hometown ships an update every 2 months, 9jaPay every 5 weeks. Both last shipped on October 24, 2026.

## The numbers

| Metric | Hometown | 9jaPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.3 (721 ratings)](https://appshunter.io/ios/app/hometown-banking-solution/id1525335534/reviews)** | [2.5 (10 ratings)](https://appshunter.io/ios/app/9japay-making-more-possible/id1668066826/reviews) |
| Number of ratings | **721** | 10 |
| Positive reviews | **30.6% of reviews** | 20.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 5 weeks** |
| Monetization | Free | Free |
| Size | 69 MB | 134 MB |
| Requires iOS | **12.4** | 15.1 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Hometown Fintech Limited](https://appshunter.io/developer/1525335536) | [9jaPay UK Limited](https://appshunter.io/developer/1627499458) |

## What reviewers say

### Hometown

[App page](https://appshunter.io/ios/app/hometown-banking-solution/id1525335534)

Manage your finances with an all-in-one banking solution. Easily send and receive money, pay bills, grow savings with high interest, and access instant loans. Book flights, recharge airtime, and invest for the future, all from your mobile device.

**Highlights:** Send and receive money, Pay bills for services, Grow savings with interest, Access instant loans, Book flights, Invest in flexible options, Top-up airtime and data

**In-app purchases:** none

**What reviewers like**

- 💯 Reliable and fast transactions
- 🤑 Offers small loans
- 🏠 Hometown app with local focus

**What reviewers complain about**

- 🤖 Unreliable customer service
- 🔒 Strict verification requirements
- 💰 Delayed or reversed transactions
- 🔄 Inability to withdraw or transfer funds
- 🚫 Accounts being blocked or deactivated

**Reported bugs**

- Login and verification issues
- Inconsistent app functionality
- Delayed or failed transactions

**Requested features**

- Improve loan application process
- Enhance user-friendliness of the app
- Provide better communication and transparency


### 9jaPay

[App page](https://appshunter.io/ios/app/9japay-making-more-possible/id1668066826)

Manage your finances with this comprehensive app. It offers budgeting, investing, banking, and bill payment features, simplifying your financial life. Secure transactions and easy money management tools are provided.

**Highlights:** Easy money management, Bill payments, Send and receive money, Secure transactions, Transfer scheduling, Budgeting and investing

**In-app purchases:** none


## Frequently asked questions

### Is Hometown free?

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

### Is 9jaPay free?

9jaPay is free to download, with no in-app purchases.

### Which has better reviews, Hometown or 9jaPay?

Hometown is rated higher. Hometown averages 4.3 out of 5 from 721 ratings, while 9jaPay averages 2.5 from 10 ratings.

### Do Hometown or 9jaPay have ads?

Neither Hometown nor 9jaPay shows ads.

### Which is updated more often, Hometown or 9jaPay?

Hometown ships an update every 2 months, and 9jaPay every 5 weeks. Most recently, Hometown was updated on October 24, 2026 and 9jaPay 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.*