Comparison

Unlimit vs Pay

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

Head to head
About

Unlimit

Manage your finances globally with a multi-currency solution for businesses and individuals. Handle payments, transfers, and currency exchange seamlessly across various platforms and currencies.

Highlights
  • Multi-currency accounts
  • Global wire transfers
  • Currency exchange
  • Virtual and physical cards
  • Two-factor authentication
  • Biometric security
Features
Read full description

Unlimit simplifies your financial management with a global multi-payment application. Tailored for the diverse needs of startups, scale-ups, enterprises, individuals, and freelancers, Unlimit transforms financial management. Experience a seamless blend of multicurrency accounts, cards, and FX & transfer functionalities, delivering a comprehensive financial solution. Dynamic features for every need: Global Accounts: Universal payments in multiple currencies. Our multicurrency corporate account supports transactions in major currencies like EUR, USD, GBP, and CNY making it perfect for global coverage. The Unlimit multicurrency account allows seamless transactions worldwide and is compatible with digital wallets like Google Pay and Apple Pay. Get paid like a local: Get paid in the currency you want and pay your suppliers or contractors in their preferred currency, from EUR and USD to CNY or MXN. Online KYB: Sign up for an account completely digitally/ Comprehensive Corporate and Business Accounts: Empower your organization with our robust corporate and business account services, ensuring financial agility and control. Unhindered currency operations through FX, and transfers: Unlimit empowers businesses with seamless FX (foreign exchange) transactions, allowing for quick and efficient currency conversions at competitive rates. The business account for going global: Pay invoices and bills faster, at a better exchange rate. Offer your customers a wide array of payment options to streamline checkout processes. This includes all major card brands and many currencies including USD, EUR, BRL, MXN, etc. Connect to supported platforms like Amazon, eBay, Google and Apple Pay and pay for ad services on AdSense, Meta and many more. - Multi-Currency IBAN Accounts: Open numerous accounts to streamline your business transactions. - Global Wire Transfers: Effortlessly conduct international transactions using SWIFT and SEPA. - Worldwide Payment Receptions: Receive payments from any corner of the globe, in the currency you want. - Currency Exchange: Seamlessly exchange major world currencies. - Cross-Platform Accessibility: Manage your finances on desktop or mobile, anytime, anywhere. - Virtual and Physical Cards: Issue cards for your team and manage expenses effortlessly. - Smart Financial Management: Utilize our smart filter and transaction search for real-time expense tracking. - Comprehensive Notifications: Get instant alerts for all transaction types. - Multiple Account Management: Handle various accounts simultaneously with ease. - Universal Payment Options: Enjoy the freedom to pay online and offline, globally. Security You Can Trust: - Two-Factor Authentication (2FA): Secure your web app access on a PC or laptop. - Biometric Security: Leverage FaceID or TouchID for enhanced protection. - Reliable and Safe: Your financial security is our top priority.

About

Pay

This app offers a unique approach to motor insurance, allowing users to pay for comprehensive coverage on a minute-by-minute basis. It provides an affordable and flexible way to manage your vehicle's insurance needs.

Highlights
  • Pay-per-minute insurance
  • Comprehensive motor coverage
  • Affordable insurance options
  • Flexible payment plans
Features
Read full description

Pay-U allows you to pay for comprehensive motor insurance on a per minute basis.

Screenshots

Unlimit4 screens
Pay4 screens

Verdict

The call

The clearest difference is review sentiment: Pay at 100% against Unlimit's 0%. Pay also leads on rating (4.5 vs 3.7) and iOS requirement (12.0 vs 15.0). On price, ratings volume, update cadence and ads 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

Pay holds the better App Store score, 4.5 against 3.7. Both are backed by a comparable volume of ratings — 3 and 2 respectively. Written reviews point the same way: 0% of Unlimit's written reviews are positive against 100% of Pay's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 2 weeks. Both last shipped on September 17, 2026.

Scorecard3 real differences · 7 level
Unlimit versus Pay: the parameters behind the verdict, then further details
ParameterUnlimitPay
PriceFreeFree
Rating3.7 (3 ratings)4.5 (2 ratings) — better
Positive reviews0.0% of reviews100.0% of reviews — better
Number of ratings3 — better2
Update frequencyEvery 2 weeksEvery 2 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.012.0 — better
Further details — not scored
Size100 MB53 MB
Age rating12+4+
DeveloperUnlimit Holding EU LtdPay-U Technologies LLC

Customer experience

Unlimit

All ratings3 ratings
Positive66.7%
Neutral0.0%
Negative33.3%
Written reviews2 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Pay

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Unlimit

No in-app purchases

None

Pay

No in-app purchases

Questions

Is Unlimit free?
Unlimit is free to download, with no in-app purchases.
Is Pay free?
Pay is free to download, with no in-app purchases.
Which has better reviews, Unlimit or Pay?
Pay is rated higher. Unlimit averages 3.7 out of 5 from 3 ratings, while Pay averages 4.5 from 2 ratings.
Do Unlimit or Pay have ads?
Neither Unlimit nor Pay shows ads.
Which is updated more often, Unlimit or Pay?
Unlimit ships an update every 2 weeks, and Pay every 2 weeks. Most recently, Unlimit was updated on September 17, 2026 and Pay on September 17, 2026.

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