# MCTPay vs InstaWally

The clearest difference is update cadence: MCTPay at every 10 days against InstaWally's every 3 months. InstaWally's advantage is iOS requirement (13.4 vs 17.4). 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.

MCTPay ships an update every 10 days, InstaWally every 3 months. The most recent releases landed on October 3, 2026 and October 10, 2026 respectively.

## The numbers

| Metric | MCTPay | InstaWally |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 10 days** | Every 3 months |
| Size | 9 MB | 203 MB |
| Requires iOS | 17.4 | **13.4** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [MOBILE COMMUNITY TECH PTE LTD](https://appshunter.io/developer/1626416581) | [DCS Card Centre Pte Ltd](https://appshunter.io/developer/1468041796) |

## What reviewers say

### MCTPay

[App page](https://appshunter.io/ios/app/mctpay/id1626416579)

**Features:** macOS Compatibility

**In-app purchases:** none


### InstaWally

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

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is MCTPay free?

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

### Is InstaWally free?

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

### Do MCTPay or InstaWally have ads?

Neither MCTPay nor InstaWally shows ads.

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

MCTPay ships an update every 10 days, and InstaWally every 3 months. Most recently, MCTPay was updated on October 3, 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.*