# PayPal vs Cash App

The clearest difference is ads: Cash App at none against PayPal's shown. Cash App also leads on review sentiment (55% vs 21%). On price, rating, ratings volume and update cadence there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.8 for PayPal against 4.8 for Cash App. Both are backed by a comparable volume of ratings — 6.3M and 8.7M respectively. Written reviews are what separate them: 21% of PayPal's written reviews are positive against 55% of Cash App's.

Both ship on a similar rhythm, roughly weekly. Both last shipped on September 25, 2026.

## The numbers

| Metric | PayPal | Cash App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (6.3M ratings)](https://appshunter.io/ios/app/paypal-pay-send-save/id283646709/reviews) | [4.8 (8.7M ratings)](https://appshunter.io/ios/app/cash-app/id711923939/reviews) |
| Number of ratings | 6.3M | **8.7M** |
| Positive reviews | 21.4% of reviews | **54.7% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Weekly | Weekly |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Best chart rank | #6 | **#4** |
| Size | 767 MB | 425 MB |
| Requires iOS | 17.4 | **17.0** |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 12+ |
| Developer | [PayPal, Inc.](https://appshunter.io/developer/283646712) | [Block, Inc.](https://appshunter.io/developer/335393791) |

## What reviewers say

### PayPal

[App page](https://appshunter.io/ios/app/paypal-pay-send-save/id283646709)

**Currently charting:** #6 Top Free · Finance, #55 Top Free (US App Store)

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:** Safari Extension, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Extremely effective and reliable crypto recovery service
- 🔒 Secure payment processing
- 💰 Convenient way to send and receive money
- 👍 Easy to use app with simple interface

**What reviewers complain about**

- 🐛 Inconsistent customer support responses
- 🕰️ Slow money transfer times
- 💳 Holds on funds for new accounts
- 🤖 Overly automated with lack of human interaction

**Reported bugs**

- Account limitations and freezes with unclear reasons
- Issues linking bank accounts and cards
- Problems with refunds and chargebacks

**Requested features**

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


### Cash App

[App page](https://appshunter.io/ios/app/cash-app/id711923939)

**Currently charting:** #4 Top Free · Finance, #48 Top Free (US App Store)

Easily send and receive money or bitcoin instantly. Save by rounding up change, invest in stocks or bitcoin, and get paid up to two days early with direct deposit. Features a customizable debit card with exclusive discounts.

**Highlights:** Send & receive money/bitcoin instantly, Round up spare change to save, Invest in stocks, ETFs, and bitcoin, Direct deposit for early paychecks, Customizable debit card with discounts, Free Lightning Network transfers

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 💳 Easy money transferring
- 🚀 Convenient and user-friendly app
- 🤑 Referral bonuses and discounts
- 🤑 Free tax filing
- 🤑 Borrow money feature

**What reviewers complain about**

- 🔒 Security issues and account hacking
- 🤖 Poor customer service and lack of live support
- 💰 Unexpected fees and charges
- 🔍 Unclear account restrictions and limits
- 🐛 App crashes and technical issues

**Reported bugs**

- Recurring issues with direct deposits and money transfers
- Inconsistent app behavior and unexpected account restrictions
- Problems with mobile check deposits and cash withdrawals

**Requested features**

- Improve customer support with live chat or phone options
- Provide more transparency on account policies and limitations
- Enhance security features to prevent fraud and unauthorized access
- Streamline the refund and dispute process for users


## Frequently asked questions

### Is PayPal free?

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

### Is Cash App free?

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

### Which has better reviews, PayPal or Cash App?

PayPal and Cash App are both rated 4.8 out of 5 on the App Store, from 6.3M and 8.7M ratings respectively.

### Do PayPal or Cash App have ads?

PayPal shows ads; Cash App does not.

### Which is updated more often, PayPal or Cash App?

PayPal ships an update weekly, and Cash App weekly. Most recently, PayPal was updated on September 25, 2026 and Cash App on September 25, 2026.

### Which is more popular, PayPal or Cash App?

PayPal currently peaks at #6 in the App Store charts, and Cash App at #4. Chart position reflects recent download velocity rather than total install base.

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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.*