# Kuto Pay vs X1 Card

The clearest difference is review sentiment: Kuto Pay at 80% against X1 Card's 50%. Kuto Pay also leads on iOS requirement (12.0 vs 15.1). X1 Card's advantage is rating (4.9 vs 4.5) and ratings volume (12K vs 60). 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.

X1 Card holds the better App Store score, 4.9 against 4.5. That said, the two scores are not equally well evidenced: X1 Card has 12K ratings behind it against 60, so its average is the more settled of the two. Written reviews complicate that: 80% of Kuto Pay's written reviews are positive against 50% of X1 Card's, so the app with the better star average is not the one people write more warmly about.

Kuto Pay ships an update every 9 days, X1 Card every 10 days. The most recent releases landed on November 3, 2026 and November 6, 2026 respectively.

## The numbers

| Metric | Kuto Pay | X1 Card |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.5 (60 ratings)](https://appshunter.io/ios/app/kuto-pay/id1532002523/reviews) | **[4.9 (12K ratings)](https://appshunter.io/ios/app/x1-card/id1581364879/reviews)** |
| Number of ratings | 60 | **12K** |
| Positive reviews | **80.0% of reviews** | 50.4% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 9 days** | Every 10 days |
| Monetization | Free | Free |
| Size | 20 MB | 79 MB |
| Requires iOS | **12.0** | 15.1 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Enlight LLC](https://appshunter.io/developer/1216484570) | [Robinhood Markets, Inc.](https://appshunter.io/developer/938003184) |

## What reviewers say

### Kuto Pay

[App page](https://appshunter.io/ios/app/kuto-pay/id1532002523)

This app offers a novel payment method, allowing users to pay with just their name at select establishments. It provides a streamlined and convenient alternative to traditional payment methods.

**Highlights:** Pay with your name, Participating locations, Streamlined payment

**Features:** macOS Compatibility

**In-app purchases:** none


### X1 Card

[App page](https://appshunter.io/ios/app/x1-card/id1581364879)

This app provides a digital interface for a smart credit card, offering features like transaction viewing, spending control with virtual cards, and rewards for purchases. It aims to offer higher credit limits and a premium card experience for a new generation of consumers.

**Highlights:** View transactions, balance, and limit, Create virtual cards for spending control, Earn up to 5X points on purchases, Earn up to 10X points via in-app shopping, Stainless steel card construction, Higher credit limits, No annual, foreign transaction, or late fees

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Smooth and easy application process
- 🔒 Robust security features like virtual cards
- 👍 Sleek and user-friendly app
- 💡 Innovative features like weekly reward boosts
- 👍 Excellent customer service and support

**What reviewers complain about**

- 🐛 Account freezes and fraud flags causing issues
- 💰 Concerns over changing reward structure and policies
- 🔒 Privacy issues with account monitoring
- 🔋 Buggy app performance and crashes

**Reported bugs**

- Recurring payment issues and reversals
- Inconsistent account access and login problems

**Requested features**

- CSV download for transactions
- Ability to change billing cycle
- Support for additional card users
- Expansion of partner merchants for rewards


## Frequently asked questions

### Is Kuto Pay free?

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

### Is X1 Card free?

X1 Card is free to download, with no in-app purchases.

### Which has better reviews, Kuto Pay or X1 Card?

X1 Card is rated higher. Kuto Pay averages 4.5 out of 5 from 60 ratings, while X1 Card averages 4.9 from 12K ratings.

### Do Kuto Pay or X1 Card have ads?

Neither Kuto Pay nor X1 Card shows ads.

### Which is updated more often, Kuto Pay or X1 Card?

Kuto Pay ships an update every 9 days, and X1 Card every 10 days. Most recently, Kuto Pay was updated on November 3, 2026 and X1 Card on November 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.*