# Monibac vs PayedBit

The clearest difference is update cadence: PayedBit at every 3 weeks against Monibac's 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 ships an update every 3 months, PayedBit every 3 weeks. The most recent releases landed on October 14, 2026 and October 10, 2026 respectively.

## The numbers

| Metric | Monibac | PayedBit |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.7 (61 ratings)](https://appshunter.io/ios/app/monibac/id1670621261/reviews)** | — |
| Number of ratings | **61** | — |
| Positive reviews | 19.2% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 3 weeks** |
| Monetization | Free with in-app purchases | — |
| Size | 31 MB | 31 MB |
| Requires iOS | **13.0** | 14.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 17+ | 17+ |
| Developer | [Prime Zone Limited](https://appshunter.io/developer/1670621263) | [SKYL4RK (PTY) LTD](https://appshunter.io/developer/1466052909) |

## 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


### PayedBit

[App page](https://appshunter.io/ios/app/payedbit/id6741155763)

**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 PayedBit free?

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

### Do Monibac or PayedBit have ads?

Neither Monibac nor PayedBit shows ads.

### Which is updated more often, Monibac or PayedBit?

Monibac ships an update every 3 months, and PayedBit every 3 weeks. Most recently, Monibac was updated on October 14, 2026 and PayedBit 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.*