Comparison

PayPal vs Monkey with a Dart

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

Head to head
About

PayPal

Manage your finances with a secure app for online and in-store shopping, sending money globally, and earning cash back. It also offers savings accounts, cryptocurrency trading, and package tracking.

Highlights
  • Send and receive money globally
  • Earn cash back offers
  • Request a debit card
  • Buy, sell, and hold cryptocurrency
  • High-yield savings accounts
  • Track packages
Features
Read full description

PayPal is a smart way to securely shop in-store and online, earn rewards points on brands you love, send money and much more.​ SHOP WITH PURCHASE PROTECTION Get built-in protection before and after you buy, with support when something doesn't go as planned. *PayPal Purchase Protection is available on eligible transactions. See terms and limitations: https://www.paypal.com/us/legalhub/paypal/buyer-protection​ EARN POINTS ON EVERYDAY PURCHASES WITH THE PAYPAL DEBIT CARD   Choose a monthly category and earn 5% back in rewards points on up to $1000 spend/month. Terms apply: http://paypal.com/rewardspal  No monthly fees. The PayPal Debit Mastercard® is issued by The Bancorp Bank N.A. ("The Bancorp"), pursuant to a license by Mastercard International Incorporated and may be used everywhere Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. The Bancorp is issuer of the Card only and not responsible for the associated accounts or other products, services, or offers from PayPal. PayPal is a financial technology company, not a bank. The Card is linked to your PayPal Balance account. See PayPal Balance Terms and Conditions: https://www.paypal.com/us/legalhub/pp-balance-tnc#holding​ SEND AND REQUEST MONEY, SECURELY & IN SECONDS Send money fast within the US and internationally to 110+ countries. Encrypted payments help keep financial details private and secure.​ BUY NOW PAY LATER In store single-use card is valid for one purchase and must be used within 24 hours of loan approval. *Pay in 4 is available upon approval for purchases of $10 - $2000 and is currently not available to residents of MO. 18 years old or older to apply. The lender for Pay in 4 is PayPal, Inc. (NMLS #910457).  Loans to CA residents are made or arranged pursuant to a CA Financing Law License. RI Small Loan Lender Licensee. NM residents: Go to paypal.com/us/webapps/mpp/campaigns/newmexicodisclosure. Learn more at paypal.com/payin4. TRACK YOUR PACKAGES View orders and delivery status until they arrive safely at your door. Not all sellers are participants.​   MANAGE YOUR SUBSCRIPTION ALL IN ONE APP The easy way to link and track all your subscriptions. ALL YOUR MONEY AND TRANSACTIONS IN ONE PLACE The new Me Tab lets you navigate your money, accounts, and settings right where you’d expect them. PayPal 2211 N 1st St San Jose, CA 95131

About

Monkey with a Dart

Features
Read full description

In 1973, economist Burton Malkiel wrote that "a blindfolded monkey throwing darts at a newspaper's financial pages could select a portfolio that would do just as well as one carefully selected by experts." Wall Street laughed. The monkey kept winning. Now it's your turn. Monkey with a Dart lets you build your own stock portfolio from the S&P 500 and pit it against a randomly-selected monkey portfolio and the S&P 500 index — in real time. PICK YOUR STOCKS Choose from the full S&P 500 universe. Allocate your $100,000 of fictional capital however you like — go concentrated or spread it wide. COMPETE LIVE The monkey mirrors your allocation percentages exactly, but picks random stocks you don't hold. Watch the leaderboard update with live Yahoo Finance prices during market hours. START FROM TODAY OR THE PAST Run a live competition starting today, or backtest from any date as far back as January 2010. See how your instincts would have performed through bull runs, crashes, and everything in between. TRACK EVERYTHING Full portfolio history, position-by-position breakdowns, sector analysis, and performance charts. Know exactly where you're winning — and where the monkey is embarrassing you. MANAGE MULTIPLE PORTFOLIOS Test different strategies side by side. Switch between portfolios on the leaderboard and compare approaches over time. No account needed. No real money. Just your stock picks versus a monkey and the market. Malkiel's monkey has had a 50-year head start. Think you can catch up?

Screenshots

PayPal4 screens
Monkey with a Dart4 screens

Verdict

The call

The clearest difference is ads: Monkey with a Dart at none against PayPal's shown. Monkey with a Dart also leads on device support (3 vs 1) and iOS requirement (15.1 vs 17.4). PayPal's advantage is update cadence (weekly vs every 5 weeks) and chart position (#4 vs unranked). On price and in-app purchases 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.

UpkeepUpdate frequency

PayPal ships an update weekly, Monkey with a Dart every 5 weeks. The most recent releases landed on October 23, 2026 and October 12, 2026 respectively.

Scorecard5 real differences · 6 level
PayPal versus Monkey with a Dart: the parameters behind the verdict, then further details
ParameterPayPalMonkey with a Dart
PriceFreeFree
Rating4.8 (6.3M ratings) — better—
Positive reviews21.0% of reviews—
Number of ratings6.3M — better—
Update frequencyWeekly — betterEvery 5 weeks
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchases—
Best chart rank#4 — better—
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS17.415.1 — better
Further details — not scored
Size799 MB53 MB
Age rating4+4+
DeveloperPayPal, Inc.John Taylor

Bugs and requests

PayPal

Reported bugs

3 issues
  • Account limitations and freezes with unclear reasons
  • Issues linking bank accounts and cards
  • Problems with refunds and chargebacks

Requested features

4 requests
  • Faster money transfers
  • More transparent policies and fees
  • Improved dispute resolution process
  • Better customer service accessibility

Monkey with a Dart

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

PayPal

No in-app purchases

None

Monkey with a Dart

No in-app purchases

Questions

Is PayPal free?
PayPal is free to download, with no in-app purchases.
Is Monkey with a Dart free?
Monkey with a Dart is free to download, with no in-app purchases.
Do PayPal or Monkey with a Dart have ads?
PayPal shows ads; Monkey with a Dart does not.
Which is updated more often, PayPal or Monkey with a Dart?
PayPal ships an update weekly, and Monkey with a Dart every 5 weeks. Most recently, PayPal was updated on October 23, 2026 and Monkey with a Dart on October 12, 2026.

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