# Monibac vs PayToday Mobile

The clearest difference is rating: Monibac at 2.8 against PayToday Mobile's 1.0. Monibac also leads on ratings volume (87 vs 3). PayToday Mobile's advantage is monetization model (free vs free with in-app purchases) and update cadence (every 3 weeks vs every 3 months). 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.

Monibac holds the better App Store score, 2.8 against 1.0. That said, the two scores are not equally well evidenced: Monibac has 87 ratings behind it against 3, so its average is the more settled of the two.

Monibac ships an update every 3 months, PayToday Mobile every 3 weeks. The most recent releases landed on November 3, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | Monibac | PayToday Mobile |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.8 (87 ratings)](https://appshunter.io/ios/app/monibac/id1670621261/reviews)** | [1.0 (3 ratings)](https://appshunter.io/ios/app/paytoday-mobile/id6711341108/reviews) |
| Number of ratings | **87** | 3 |
| Positive reviews | 17.9% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 3 weeks** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 68 MB | 67 MB |
| Requires iOS | 15.5 | **15.1** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 17+ | 17+ |
| Developer | [Prime Zone Limited](https://appshunter.io/developer/1670621263) | [Adaire Technology Services AG](https://appshunter.io/developer/1711418895) |

## 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, Vision Pro support

**In-app purchases:** none


### PayToday Mobile

[App page](https://appshunter.io/ios/app/paytoday-mobile/id6711341108)

A cardless mobile payment platform for consumers and merchants. Easily pay friends, shop, buy airtime and electricity, or settle parking fees securely from your device. Track all your payment activities efficiently.

**Highlights:** Cardless mobile payments, Pay friends, Shop online, Buy airtime and electricity, Settle parking fees, Track payment activities

**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 PayToday Mobile free?

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

### Which has better reviews, Monibac or PayToday Mobile?

Monibac is rated higher. Monibac averages 2.8 out of 5 from 87 ratings, while PayToday Mobile averages 1.0 from 3 ratings.

### Do Monibac or PayToday Mobile have ads?

Neither Monibac nor PayToday Mobile shows ads.

### Which is updated more often, Monibac or PayToday Mobile?

Monibac ships an update every 3 months, and PayToday Mobile every 3 weeks. Most recently, Monibac was updated on November 3, 2026 and PayToday Mobile on October 30, 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.*