# Circum Pay vs Dosh

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.

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.

## The numbers

| Metric | Circum Pay | Dosh |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[3.7 (3 ratings)](https://appshunter.io/ios/app/dosh/id1551072628/reviews)** |
| Number of ratings | — | **3** |
| Positive reviews | 0.0% of reviews | **63.5% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 6 weeks** |
| Monetization | Free | Free |
| Size | 69 MB | 116 MB |
| Requires iOS | **14.0** | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 12+ | 12+ |
| Developer | [Circumtec](https://appshunter.io/developer/1541124493) | [MCA Investments Limited](https://appshunter.io/developer/1551072630) |

## What reviewers say

### Circum Pay

[App page](https://appshunter.io/ios/app/circum-pay/id1541124491)

Pay for services at enabled vending machines and equipment using your smartphone. Access special discounts and promotions at participating locations across Australia.

**Highlights:** Smartphone payments, QR code scanning, Vending machine purchases, Special discounts, Promotions, Car wash payments, Laundromat payments

**In-app purchases:** none


### Dosh

[App page](https://appshunter.io/ios/app/dosh/id1551072628)

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.

**Highlights:** 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

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use app
- 💰 Great cashback rewards
- 🏠 Excellent home loan service
- 🚀 Fast and efficient processes
- 💡 Innovative features like Strive and Stashes

**What reviewers complain about**

- 😞 Cashback capped
- 😠 Partnership with One NZ disliked
- ⏳ Slow bank transfers
- 💳 Cannot reorder or get new cards easily
- 📱 One NZ blocking app

**Reported bugs**

- 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

**Requested features**

- Support for Apple Pay
- Ability to reorder accounts
- Monthly statements to download or email
- Balance shown after each transaction
- Username and password login option


## Frequently asked questions

### Is Circum Pay free?

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

### Is Dosh free?

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

### Do Circum Pay or Dosh have ads?

Neither Circum Pay nor Dosh shows ads.

### Which is updated more often, Circum Pay or Dosh?

Circum Pay ships an update every 2 months, and Dosh every 6 weeks. Most recently, Circum Pay was updated on July 8, 2026 and Dosh on September 18, 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.*