# KrillPay vs Stipend

The clearest difference is review sentiment: KrillPay at 100% against Stipend's 0%. KrillPay also leads on update cadence (weekly vs every 4 months). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

KrillPay ships an update weekly, Stipend every 4 months. The most recent releases landed on October 3, 2026 and October 5, 2026 respectively.

## The numbers

| Metric | KrillPay | Stipend |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (5 ratings)](https://appshunter.io/ios/app/krillpay/id1671897398/reviews)** | — |
| Number of ratings | **5** | — |
| Positive reviews | **100.0% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Weekly** | Every 4 months |
| Monetization | Free | Free |
| Size | 53 MB | 88 MB |
| Requires iOS | **12.1** | 13.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 17+ | 4+ |
| Developer | [Krillpay](https://appshunter.io/developer/1671897400) | [STIPEND INTEGRATED SOLUTIONS LIMITED](https://appshunter.io/developer/1840368226) |

## What reviewers say

### KrillPay

[App page](https://appshunter.io/ios/app/krillpay/id1671897398)

This app provides a digital wallet and financial services for migrants and the unbanked. It allows users to open an FDIC-insured account with just a valid ID, receive payments, send money internationally, and make purchases using a debit card.

**Highlights:** Open digital account with valid ID, Receive direct deposits, Send money internationally, Scan to pay at merchants, Use branded debit card, Borderless money transfers

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

**In-app purchases:** none


### Stipend

[App page](https://appshunter.io/ios/app/stipend/id6752647125)

Manage all your everyday financial needs in one super app. Make payments, shop internationally with a virtual card, and access flexible financing options for purchases. It offers a secure and convenient way to handle bills, online shopping, and buy now, pay later services.

**Highlights:** Virtual dollar card for international payments, Fast and easy bill payments, E-commerce marketplace for shopping, Buy Now, Pay Later financing options, Secure authentication and encrypted transactions, 24/7 customer support

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

**In-app purchases:** none


## Frequently asked questions

### Is KrillPay free?

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

### Is Stipend free?

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

### Do KrillPay or Stipend have ads?

Neither KrillPay nor Stipend shows ads.

### Which is updated more often, KrillPay or Stipend?

KrillPay ships an update weekly, and Stipend every 4 months. Most recently, KrillPay was updated on October 3, 2026 and Stipend on October 5, 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.*