Comparison

BiyaPay vs VbiPay

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

BiyaPay

Manage international remittances, trade stocks, and track global markets all in one app. Offers real-time currency conversion, secure asset management, and investment opportunities in U.S./Hong Kong stocks and various commodities.

Highlights
  • Real-time currency exchange for 200+ currencies
  • Cross-border remittance services
  • U.S. and Hong Kong stock investing
  • Cryptocurrency, gold, silver, and oil market tracking
  • Integrated asset management and wallet
  • Flexible wealth management with daily yield
Features
Read full description

Feature Overview BiyaPay supports real-time exchange rate lookup and conversion for 200+ currencies, providing users with faster, lower-cost, and seamless online international remittance services. In addition to currency exchange, the platform offers an intelligent conversion calculator, cross-border remittance, U.S./Hong Kong stock investing services, and market tracking for cryptocurrencies, gold, silver, crude oil, and other commodities—helping users manage funds and stay on top of market dynamics in one place. - Wallet: Covers asset management, receiving payments, transfers, deposits, and withdrawals. Supports crypto withdrawals and remittances at any time, with a clear view of account assets. - Instant Swap: After deposit, users can complete online multi-currency exchange with no preset limit, and withdraw funds to offshore bank accounts. - Wealth: Flexible wealth management service with daily yield settlement, automatically credited to available account balance. - Financial Asset Trading: Covers major markets including U.S. and Hong Kong stocks, with one account connected to multiple market opportunities. - Market Tracking: Supports market tracking for cryptocurrencies, gold, silver, crude oil, and other commodities, helping users monitor real-time price moves, trends, and market rhythm. Product Advantages BiyaPay continuously enhances its compliance qualifications and service capabilities to provide global users with an integrated financial experience covering payments, international remittance, securities investment, and market tracking services. Whether for cross-border fund management or multi-market information access, users can do so more efficiently and with greater peace of mind. - Fast Account Opening: Fully online onboarding with a low barrier and high efficiency. - Convenient Funding: Supports multiple funding methods with simple operations and smoother fund transfers. - User-Friendly Interface: Clear trading flows, bilingual Chinese-English interface, plus 24/7 Chinese customer support. - Comprehensive Functions: Rich order options that support both beginners and advanced traders. - Broad Market Coverage: Provides market tracking for U.S. and Hong Kong stocks, cryptocurrencies, gold, silver, crude oil, and other commodities, so users can track multi-market information in sync. - Competitive Fees: Competitive fee structure for U.S. and Hong Kong stock investing, helping reduce trading costs. - Fund Security: Segregated custodial accounts and multi-layer security verification mechanisms to protect accounts and assets. Official Website & Support Official Website: https://www.biyapay.com/ Customer Service Email: service@biyapay.com Customer Service Telegram: https://t.me/biyapay001 Telegram Community: https://t.me/BiyaPay_ch

About

VbiPay

This finance app simplifies daily payments and transactions with secure, efficient tools. It offers convenient mobile payments, automatic transaction categorization, and robust security features for effortless financial management.

Highlights
  • Convenient mobile payments
  • Automatic transaction categorization
  • Robust security with encryption
  • Intuitive and clean interface
  • Effortless financial management
Features
Read full description

VbiPay - Secure & Convenient Mobile Payments VbiPay is a mobile finance application designed to enhance your daily payment experience. We are committed to providing simple, secure, and efficient financial management tools to help you effortlessly handle daily expenses and transactions. Key Features: Convenient Payments: Enjoy a smooth mobile payment experience that makes your daily purchases and settlements easier than ever. Transaction Management: Keep clear, automatically categorized records of every transaction so you can stay on top of your finances anytime, anywhere. Robust Security: Utilizing industry-standard data encryption and multi-factor authentication to fully protect your account and privacy. Intuitive Interface: A clean and straightforward design removes unnecessary complexity, ensuring a seamless experience for every user. Download VbiPay today for a safe and effortless payment experience.

Screenshots

BiyaPay4 screens
VbiPay4 screens

Verdict

The call

The clearest difference is ratings volume: BiyaPay at 102 against VbiPay's 4. BiyaPay also leads on rating (4.2 vs 4.0). VbiPay's advantage is iOS requirement (13 vs 15.0). 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

BiyaPay holds the better App Store score, 4.2 against 4.0. That said, the two scores are not equally well evidenced: BiyaPay has 102 ratings behind it against 4, so its average is the more settled of the two.

UpkeepUpdate frequency

BiyaPay ships an update fortnightly, VbiPay every 9 days. The most recent releases landed on September 24, 2026 and September 11, 2026 respectively.

Scorecard3 real differences · 7 level
BiyaPay versus VbiPay: the parameters behind the verdict, then further details
ParameterBiyaPayVbiPay
PriceFreeFree
Rating4.2 (102 ratings) — better4.0 (4 ratings)
Positive reviews89.2% of reviews—
Number of ratings102 — better4
Update frequencyFortnightlyEvery 9 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.013 — better
Further details — not scored
Size131 MB96 MB
Age rating4+17+
DeveloperBIYA GLOBAL LLCVbiPay Global Inc.

Customer experience

BiyaPay

All ratings102 ratings
Positive83.3%
Neutral3.9%
Negative12.7%
Written reviews130 reviews
Positive89.2%
Neutral1.5%
Negative9.2%

VbiPay

All ratings4 ratings
Positive75.0%
Neutral0.0%
Negative25.0%

Bugs and requests

BiyaPay

Reported bugs

2 issues
  • Login screen issues causing black screen
  • Compatibility problems with older devices

Requested features

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

VbiPay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

BiyaPay

No in-app purchases

None

VbiPay

No in-app purchases

Questions

Is BiyaPay free?
BiyaPay is free to download, with no in-app purchases.
Is VbiPay free?
VbiPay is free to download, with no in-app purchases.
Which has better reviews, BiyaPay or VbiPay?
BiyaPay is rated higher. BiyaPay averages 4.2 out of 5 from 102 ratings, while VbiPay averages 4.0 from 4 ratings.
Do BiyaPay or VbiPay have ads?
Neither BiyaPay nor VbiPay shows ads.
Which is updated more often, BiyaPay or VbiPay?
BiyaPay ships an update fortnightly, and VbiPay every 9 days. Most recently, BiyaPay was updated on September 24, 2026 and VbiPay on September 11, 2026.

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