# Utoppia vs Midi Financial

The clearest difference is rating: Midi Financial at 5.0 against Utoppia's 4.7. Utoppia's advantage is ratings volume (90 vs 4) and iOS requirement (15.6 vs 17.6). 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.

Midi Financial holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: Utoppia has 90 ratings behind it against 4, so its average is the more settled of the two.

Utoppia ships an update every 2 weeks, Midi Financial weekly. Both last shipped on November 3, 2026.

## The numbers

| Metric | Utoppia | Midi Financial |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (90 ratings)](https://appshunter.io/ios/app/utoppia/id1603840223/reviews) | **[5.0 (4 ratings)](https://appshunter.io/ios/app/midi-financial/id6467891314/reviews)** |
| Number of ratings | **90** | 4 |
| Positive reviews | 70.6% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Weekly** |
| Monetization | Free | Free |
| Size | 246 MB | 112 MB |
| Requires iOS | **15.6** | 17.6 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Utoppia Inc](https://appshunter.io/developer/1603231054) | [Midi Technologies LLC](https://appshunter.io/developer/1887897397) |

## What reviewers say

### Utoppia

[App page](https://appshunter.io/ios/app/utoppia/id1603840223)

Open a U.S. dollar account in your name from anywhere globally. Manage traditional and digital dollars, send money across borders instantly, and control your finances seamlessly. All within a single, secure application.

**Highlights:** Open U.S. dollar account, Manage traditional USD, Manage digital dollars (USDC, USDT), Global money transfers, Fully digital account opening, Secure and in your name

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


### Midi Financial

[App page](https://appshunter.io/ios/app/midi-financial/id6467891314)

Receive payments directly into your dollar account and get cards for spending online or in stores. Manage your money with freedom and access your balance anytime. Send and use your funds securely and without complications.

**Highlights:** Receive payments in dollars, Access dollar account balance, Get cards for online/in-store payments, Send and use money securely, Manage money with freedom

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is Utoppia free?

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

### Is Midi Financial free?

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

### Which has better reviews, Utoppia or Midi Financial?

Midi Financial is rated higher. Utoppia averages 4.7 out of 5 from 90 ratings, while Midi Financial averages 5.0 from 4 ratings.

### Do Utoppia or Midi Financial have ads?

Neither Utoppia nor Midi Financial shows ads.

### Which is updated more often, Utoppia or Midi Financial?

Utoppia ships an update every 2 weeks, and Midi Financial weekly. Most recently, Utoppia was updated on November 3, 2026 and Midi Financial on November 3, 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.*