# Monibac vs 2Pay

The clearest difference is review sentiment: 2Pay at 100% against Monibac's 19%. 2Pay also leads on rating (4.1 vs 2.7) and monetization model (free vs free with in-app purchases). Monibac's advantage is ratings volume (61 vs 9) and iOS requirement (13.0 vs 15.0). 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.

2Pay holds the better App Store score, 4.1 against 2.7. That said, the two scores are not equally well evidenced: Monibac has 61 ratings behind it against 9, so its average is the more settled of the two. Written reviews point the same way: 19% of Monibac's written reviews are positive against 100% of 2Pay's.

Monibac ships an update every 3 months, 2Pay monthly. The most recent releases landed on September 22, 2026 and August 23, 2026 respectively.

## The numbers

| Metric | Monibac | 2Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.7 (61 ratings)](https://appshunter.io/ios/app/monibac/id1670621261/reviews) | **[4.1 (9 ratings)](https://appshunter.io/ios/app/2pay/id6478923230/reviews)** |
| Number of ratings | **61** | 9 |
| Positive reviews | 19.2% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Monthly** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 31 MB | 59 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [Prime Zone Limited](https://appshunter.io/developer/1670621263) | [2Pay limited](https://appshunter.io/developer/1734437000) |

## What reviewers say

### Monibac

[App page](https://appshunter.io/ios/app/monibac/id1670621261)

Access collateral-free loans and earn interest on savings. This app allows users to save, withdraw, and get loans up to 150% of their savings after three months. Enjoy transparent loan terms and repayment reminders.

**Highlights:** Collateral-free loans, Earn interest on savings, Loans up to 150% of savings, Transparent loan terms, Monthly repayment reminders, Lock savings for interest

**Features:** macOS Compatibility

**In-app purchases:** none


### 2Pay

[App page](https://appshunter.io/ios/app/2pay/id6478923230)

Send money to loved ones quickly and affordably with this finance app. Register, select an amount, and enter recipient details for international transfers. Avoid long waits and poor exchange rates for a better money transfer experience.

**Highlights:** Fast money transfers, Affordable international sending, Simple registration process, Recipient details entry, Avoids lengthy waiting periods, Favorable exchange rates

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Monibac free?

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

### Is 2Pay free?

2Pay is free to download, with no in-app purchases.

### Which has better reviews, Monibac or 2Pay?

2Pay is rated higher. Monibac averages 2.7 out of 5 from 61 ratings, while 2Pay averages 4.1 from 9 ratings.

### Do Monibac or 2Pay have ads?

Neither Monibac nor 2Pay shows ads.

### Which is updated more often, Monibac or 2Pay?

Monibac ships an update every 3 months, and 2Pay monthly. Most recently, Monibac was updated on September 22, 2026 and 2Pay on August 23, 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.*