# Real Transfer vs Topratepay

The clearest difference is iOS requirement: Topratepay at 15.1 against Real Transfer's 18.2. 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.

Real Transfer ships an update every 25 months, Topratepay every 14 months. The most recent releases landed on October 25, 2026 and October 22, 2026 respectively.

## The numbers

| Metric | Real Transfer | Topratepay |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | — | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 25 months | **Every 14 months** |
| Monetization | — | Free |
| Size | 138 MB | 40 MB |
| Requires iOS | 18.2 | **15.1** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Jubilee Services](https://appshunter.io/developer/1552227306) | [Toprate Mutual Finance Limited](https://appshunter.io/developer/1721694755) |

## What reviewers say

### Real Transfer

[App page](https://appshunter.io/ios/app/real-transfer/id1577781536)

**Features:** macOS Compatibility

**In-app purchases:** none


### Topratepay

[App page](https://appshunter.io/ios/app/topratepay/id6474469336)

Easily and securely send money to friends and family with this intuitive mobile app. Enjoy swift, reliable transactions with bank-level security and real-time notifications. Designed for simplicity, it accommodates various payment methods for a worry-free experience.

**Highlights:** Effortless money transfers, Instant transaction speed, Bank-level security encryption, Real-time transfer notifications, User-friendly interface, Multiple payment method support

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Real Transfer free?

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

### Is Topratepay free?

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

### Do Real Transfer or Topratepay have ads?

Neither Real Transfer nor Topratepay shows ads.

### Which is updated more often, Real Transfer or Topratepay?

Real Transfer ships an update every 25 months, and Topratepay every 14 months. Most recently, Real Transfer was updated on October 25, 2026 and Topratepay on October 22, 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.*