Circum Pay vs Dosh
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Circum Pay
Pay for services at enabled vending machines and equipment using your smartphone. Access special discounts and promotions at participating locations across Australia.
- Smartphone payments
- QR code scanning
- Vending machine purchases
- Special discounts
- Promotions
- Car wash payments
- Laundromat payments
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The Circumpay app allows you to use your smartphone to buy products at your enabled favorite vending machine and or vending equipment (Car Wash, Laundromat, amusement machine or any devices that has Circumtec Reader Installed) quickly and easily through your smartphone. Receive special discounts and promotions on participating vending machines across Australia.
Dosh
Manage your money with this app that simplifies spending, saving, and borrowing. Earn rewards on everyday purchases and home loans to get closer to your next phone upgrade. Set savings goals and earn competitive interest rates.
- Earn Phone Dollars on spending
- Home loans with Phone Dollar bonus
- Digital home loan application
- Earn interest on savings
- Set and track savings goals
- Card spending notifications
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Banking made freak’n easy* Dosh is the Kiwi app that helps you spend, save, and borrow money. Cause life is for living, not banking. *Dosh is not a registered bank. However, your funds are held at a NZ registered bank. EARN PHONE DOLLARS AND GET THE NEW PHONE YOU WANT, FASTER Spend with the One NZ dosh card and earn Phone Dollars on your everyday spend. Take out a home loan with dosh and get a Phone Dollars bonus towards your next phone upgrade. HOME LOANS THAT GIVE BACK Unlock freak’ n great interest rates on a home loan with dosh —powered by Westpac NZ. Whether you're switching your existing home loan or stepping into your new home, dosh makes the process easy and 100% digital. Plus, earn $1,700 Phone Dollars upon settlement so you can get the new phone you want, faster. Your access to hassle-free borrowing starts here. Apply for a home loan with dosh today. SPEND AND EARN PHONE DOLLARS Spend with the One NZ dosh card and earn 1% back Phone Dollars on your eligible everyday spend. Helping you get to your next interest-free phone faster. Pay with Apple Pay, Tap & Go in store or, shop online at any Visa enabled retailer. You’re in control. Set limits or lock your card any time. Plus get notified every time your One NZ dosh card is used. STRIVE TOWARDS YOUR SAVINGS GOALS Earn an epic interest rate on your savings while you grow your balance. Enjoy unlimited withdrawals with no fees or complicated rules. Set your savings goals and track your progress. Funds are held on trust with an AA- registered bank in New Zealand. Fine print You must be 13+ to use Dosh. See our T&Cs in the Privacy Policy. Visit Dosh.nz Dosh is a brand of MCA Investments Limited, a registered company in New Zealand (NZBN 9429048713511), and a registered financial services provider (FSP1000801). See terms and conditions at https://www.dosh.nz/terms-conditions. Dosh Home Loans are approved, issued and managed by Westpac New Zealand Limited (“Westpac”) and promoted by Dosh. Lending and eligibility criteria and terms and conditions apply. Dosh home loan reward offer has a minimum loan size of $300,000 and eligibility criteria and T&Cs apply. The Phone Dollars reward is provided exclusively by One NZ. Use Phone Dollars towards interest-free phones, with Pay Monthly plan & min $99 deposit. Max balance of $4,999 Phone Dollars. Eligibility criteria & terms apply, see one.nz/one-wallet
Screenshots
Verdict
The clearest difference is review sentiment: Dosh at 64% against Circum Pay's 0%. On price, update cadence, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Circum Pay ships an update every 2 months, Dosh every 6 weeks. The most recent releases landed on July 8, 2026 and September 18, 2026 respectively.
| Parameter | Circum Pay | Dosh |
|---|---|---|
| Price | Free | Free |
| Rating | — | 3.7 (3 ratings) — better |
| Positive reviews | 0.0% of reviews | 63.5% of reviews — better |
| Number of ratings | — | 3 — better |
| Update frequency | Every 2 months | Every 6 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 14.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 69 MB | 116 MB |
| Age rating | 12+ | 12+ |
| Developer | Circumtec | MCA Investments Limited |
Customer experience
Circum Pay
Dosh
Bugs and requests
Circum Pay
Not enough reviews yet to summarise bugs or requests.
Dosh
Reported bugs
7 issues- App won't run on two devices
- App turned black, causing eye strain
- Login screen freezes
- Incompatible with older devices
- Customer service support is lacking
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- Can't get verified without NZ passport or driver's license
- Requires driver's license for app use
Requested features
18 requests- Support for Apple Pay
- Ability to reorder accounts
- Monthly statements to download or email
- Balance shown after each transaction
- Username and password login option
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- Authenticator app option for login
- Website login option
- Budgeting tools
- Spending graphs
- Bank card option for topping up
- Paid plan for higher cashback limit
- Faster bank transfers
- Option to use for Afterpay payments
- Personalize main account (name and color)
- Pre-save bank accounts for easier deposit
- Option to use overseas with clear fees
- More inclusive verification options for immigrants
- Fix voiceover issues
In-app purchases
Circum Pay
No in-app purchases
Dosh
No in-app purchases
