# BiyaPay vs InstaWally

The clearest difference is update cadence: BiyaPay at fortnightly against InstaWally's every 3 months. InstaWally's advantage is iOS requirement (13.4 vs 15.0). On price, ads, in-app purchases and device support there is nothing between them.

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

BiyaPay ships an update fortnightly, InstaWally every 3 months. The most recent releases landed on November 7, 2026 and October 10, 2026 respectively.

## The numbers

| Metric | BiyaPay | InstaWally |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.2 (103 ratings)](https://appshunter.io/ios/app/biyapay/id1546702205/reviews)** | — |
| Number of ratings | **103** | — |
| Positive reviews | 89.2% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 3 months |
| Monetization | Free | — |
| Size | 155 MB | 203 MB |
| Requires iOS | 15.0 | **13.4** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [BIYA GLOBAL LLC](https://appshunter.io/developer/1546702297) | [DCS Card Centre Pte Ltd](https://appshunter.io/developer/1468041796) |

## What reviewers say

### BiyaPay

[App page](https://appshunter.io/ios/app/biyapay/id1546702205)

Manage international remittances, trade U.S. and Hong Kong stocks, and track global markets for cryptocurrencies, commodities, and more. Offers real-time exchange rates, secure asset management, and a user-friendly interface for global financial needs.

**Highlights:** Real-time currency exchange for 200+ currencies, International remittance services, U.S. and Hong Kong stock investing, Cryptocurrency and commodity market tracking, Integrated wallet for asset management, Flexible wealth management with daily yield

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

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and convenient transactions
- 🔒 Secure and reliable platform
- 👍 User-friendly interface
- 💡 Supports multi-currency trading
- 👍 Seamless integration with crypto and traditional banking

**What reviewers complain about**

- 🐛 Occasional app crashes or freezes
- ⚠️ Frequent mandatory updates
- 💰 High transaction fees for some services
- 🔍 Difficult price setting during trades

**Reported bugs**

- Login screen issues causing black screen
- Compatibility problems with older devices

**Requested features**

- Improved visual design and aesthetics
- Advanced portfolio tracking and analytics
- Expanded investment options (e.g., derivatives, commodities)
- Enhanced customer support and communication


### InstaWally

[App page](https://appshunter.io/ios/app/instawally/id6471822173)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is BiyaPay free?

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

### Is InstaWally free?

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

### Do BiyaPay or InstaWally have ads?

Neither BiyaPay nor InstaWally shows ads.

### Which is updated more often, BiyaPay or InstaWally?

BiyaPay ships an update fortnightly, and InstaWally every 3 months. Most recently, BiyaPay was updated on November 7, 2026 and InstaWally on October 10, 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.*