# NetPay by Netcapital vs narapp

The clearest difference is rating: narapp at 5.0 against NetPay by Netcapital's 3.6. NetPay by Netcapital's advantage is update cadence (every 2 weeks vs every 2 months) and ratings volume (11 vs 1). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

narapp holds the better App Store score, 5.0 against 3.6. That said, the two scores are not equally well evidenced: NetPay by Netcapital has 11 ratings behind it against 1, so its average is the more settled of the two.

NetPay by Netcapital ships an update every 2 weeks, narapp every 2 months. The most recent releases landed on October 25, 2026 and October 8, 2026 respectively.

## The numbers

| Metric | NetPay by Netcapital | narapp |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.6 (11 ratings)](https://appshunter.io/ios/app/netpay-by-netcapital/id1534832850/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/narapp/id1616452784/reviews)** |
| Number of ratings | **11** | 1 |
| Positive reviews | 33.3% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 2 months |
| Monetization | Free | Free |
| Size | 111 MB | 44 MB |
| Requires iOS | 15.5 | **15.1** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Netcapital Financial Corporation NBFI LLC](https://appshunter.io/developer/1534832852) | [Frankfurt capital NBFI LLC](https://appshunter.io/developer/1616452786) |

## What reviewers say

### NetPay by Netcapital

[App page](https://appshunter.io/ios/app/netpay-by-netcapital/id1534832850)

This app allows users to register, view loan accounts, and track repayment history. Users can also make payments directly through the app using QPay or other banking apps without additional fees. Additional features include branch location lookup and profile updates.

**Highlights:** Self-registration via mobile app, View loan account list, Track loan repayment history, Fee-free payments via QPay/banking apps, Branch location lookup, Update personal information

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

**In-app purchases:** none


### narapp

[App page](https://appshunter.io/ios/app/narapp/id1616452784)

Manage your loans and make repayments online. Apply for secured and digital loans remotely for quick access to funds. Your information is kept confidential, serving as your trusted partner in urgent situations.

**Highlights:** Online loan management, Digital loan repayments, Remote loan applications, Secured and digital loan options, Confidential data handling

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is NetPay by Netcapital free?

NetPay by Netcapital is free to download, with no in-app purchases.

### Is narapp free?

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

### Which has better reviews, NetPay by Netcapital or narapp?

narapp is rated higher. NetPay by Netcapital averages 3.6 out of 5 from 11 ratings, while narapp averages 5.0 from 1 ratings.

### Do NetPay by Netcapital or narapp have ads?

Neither NetPay by Netcapital nor narapp shows ads.

### Which is updated more often, NetPay by Netcapital or narapp?

NetPay by Netcapital ships an update every 2 weeks, and narapp every 2 months. Most recently, NetPay by Netcapital was updated on October 25, 2026 and narapp on October 8, 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.*