# GCash vs Local Pay

The clearest difference is review sentiment: Local Pay at 100% against GCash's 8%. Local Pay also leads on monetization model (free vs free with in-app purchases) and iOS requirement (12.2 vs 15.0). On price, update cadence, ads and in-app purchases there is nothing between them.

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

GCash ships an update fortnightly, Local Pay every 3 weeks. The most recent releases landed on November 1, 2026 and October 20, 2026 respectively.

## The numbers

| Metric | GCash | Local Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.3 (2.9K ratings)](https://appshunter.io/ios/app/gcash/id520020791/reviews)** | — |
| Number of ratings | **2.9K** | — |
| Positive reviews | 8.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 3 weeks |
| Monetization | Free with in-app purchases | **Free** |
| Size | 505 MB | 171 MB |
| Requires iOS | 15.0 | **12.2** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [MYNT, INC.](https://appshunter.io/developer/1358216761) | [Creditwestbank Ltd.](https://appshunter.io/developer/958468878) |

## What reviewers say

### GCash

[App page](https://appshunter.io/ios/app/gcash/id520020791)

Send money instantly to the Philippines, pay over 2000 bills, and manage your finances from abroad. Link your US bank account, save with high interest rates, and scan to pay securely. Stay connected and support loved ones with ease.

**Highlights:** Instant money transfers, Pay over 2000 bills, Link US bank accounts, Earn interest on savings, Scan to pay with QR, Secure bank transfers

**In-app purchases:** none

**What reviewers like**

- ✨ Convenient and easy to use
- 💰 Rebates and discounts for transactions
- 🚀 Fast money transfers and bill payments
- 🌍 Accessible for overseas Filipinos

**What reviewers complain about**

- 🐛 Frequent app crashes and errors
- 🤖 Unhelpful and slow customer support
- 🔒 Security and verification issues
- 💰 Expensive transaction fees

**Reported bugs**

- Unable to receive OTP for login/transactions
- Verification process frequently fails
- Inconsistent app performance and stability
- Funds disappearing from accounts without explanation

**Requested features**

- Add support for international bank accounts
- Improve OTP delivery for overseas users
- Implement biometric authentication options
- Provide more transparency on transaction history


### Local Pay

[App page](https://appshunter.io/ios/app/local-pay/id1328860932)

Easily make payments with a network of contracted partners. Earn points on your transactions that can be redeemed as cash. Start managing your payments conveniently.

**Highlights:** Easy payment processing, Earn points on purchases, Redeem points as cash, Network of contracted partners, Convenient transaction management

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is GCash free?

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

### Is Local Pay free?

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

### Do GCash or Local Pay have ads?

Neither GCash nor Local Pay shows ads.

### Which is updated more often, GCash or Local Pay?

GCash ships an update fortnightly, and Local Pay every 3 weeks. Most recently, GCash was updated on November 1, 2026 and Local Pay on October 20, 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.*