Comparison

IPU vs SeaPay

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

Head to head
About

IPU

Facilitates seamless cross-border financial transactions between Europe and Asia. Offers tools for international money transfers, multi-currency management, and global payment solutions.

Highlights
  • Send and receive money worldwide
  • Unique IBAN for direct payments
  • Multi-currency management
  • Real-time FX rates
  • Global payout tools
  • Cross-continental commerce support
Read full description

We are proud to be the experts in bridging financial flows between Europe and Asia. Our deep regional expertise, trusted banking partners, and tailored solutions make it easy for businesses and entrepreneurs to connect markets, navigate regulations, and grow without borders. With IPU, you're supported by a team that understands the nuances of cross- continental commerce. WITH IPU, YOU CAN: • Send and receive money worldwide • Benefit from your own unique IBAN for faster, direct payments • Manage funds in multiple currencies with real-time FX rates • Access scalable & modern tools for payouts and vendor settlements • Bridge Europe and Asia with expert support and localized financial solutions • Get full control over your global finances anytime, anywhere IPU is more than just a payment platform. It's a global financial hub in your pocket. Download now and experience a smarter way to pay, link, and grow!

About

SeaPay

Features
Read full description

SeaPay® is a financial powerhouse designed specifically for the marine industry. We are uniquely focused on providing solutions to seafarers, vessel owners and port-registered corporations. With SeaPay® you can step up your financial life. We cover all maritime needs for companies that employ crew, run charter operations. Our offering is also suitable for seafarers and their families abroad. You can always issue cards for your loved ones back home as well as send money worldwide. Our compliance team will help you with understanding your taxation and social security needs as well as anything concerning your financial success at sea. All of your finances are always under control with SeaPay® mobile app. With us you can: – Open an account with a unique IBAN – Hold and manage your funds in multiple currencies – Exchange seven currencies at affordable rates – Send and receive international bank wire transfers – Issue mass payments to bank accounts Our mobile app features: – Real-time review of account activity and balance – Transaction history to keep track of your spendings – New Feature for Recurring Transactions – Money transfers worldwide – Card top-up – Simplified sign in procedure with your password and biometric authentication. At SeaPay® we speak your language. We are a financial powerhouse for the marine specialists made by the marine specialists.

Screenshots

IPU4 screens
SeaPay3 screens

Verdict

The call

The clearest difference is ads: IPU at none against SeaPay's shown. IPU also leads on update cadence (every 3 weeks vs every 2 months). SeaPay's advantage is iOS requirement (13.0 vs 15.0). On price, in-app purchases and device support 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.

UpkeepUpdate frequency

IPU ships an update every 3 weeks, SeaPay every 2 months. Both last shipped on October 30, 2026.

Scorecard3 real differences · 5 level
IPU versus SeaPay: the parameters behind the verdict, then further details
ParameterIPUSeaPay
PriceFreeFree
Positive reviews100.0% of reviews—
Update frequencyEvery 3 weeks — betterEvery 2 months
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.013.0 — better
Further details — not scored
Size58 MB51 MB
Age rating4+4+
DeveloperInternational Payment Union, UABNave Magna Ltd.

In-app purchases

None

IPU

No in-app purchases

None

SeaPay

No in-app purchases

Questions

Is IPU free?
IPU is free to download, with no in-app purchases.
Is SeaPay free?
SeaPay is free to download, with no in-app purchases.
Do IPU or SeaPay have ads?
SeaPay shows ads; IPU does not.
Which is updated more often, IPU or SeaPay?
IPU ships an update every 3 weeks, and SeaPay every 2 months. Most recently, IPU was updated on October 30, 2026 and SeaPay on October 30, 2026.

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