# YoguPay vs Topratepay

The clearest difference is ads: Topratepay at none against YoguPay's shown. Topratepay also leads on monetization model (free vs ad-supported). YoguPay's advantage is update cadence (every 8 days vs every 14 months) and iOS requirement (13.0 vs 15.1). On price, 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.

YoguPay ships an update every 8 days, Topratepay every 14 months. The most recent releases landed on October 15, 2026 and October 22, 2026 respectively.

## The numbers

| Metric | YoguPay | Topratepay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.2 (5 ratings)](https://appshunter.io/ios/app/yogupay/id6447666449/reviews)** | — |
| Number of ratings | **5** | — |
| Positive reviews | — | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Every 8 days** | Every 14 months |
| Monetization | Ad-supported | **Free** |
| Size | 49 MB | 40 MB |
| Requires iOS | **13.0** | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Tumapay Ltd](https://appshunter.io/developer/1679173865) | [Toprate Mutual Finance Limited](https://appshunter.io/developer/1721694755) |

## What reviewers say

### YoguPay

[App page](https://appshunter.io/ios/app/yogupay/id6447666449)

Send and receive money internationally with ease. This platform offers secure, fast, and cost-effective cross-border transactions, ideal for personal remittances and business payments. It also facilitates payments for travel services like flights and accommodation.

**Highlights:** Hassle-free money transfers, Cross-border payments, Secure and efficient transactions, Cost-effective fees, Fast global money movement, Pay individuals and businesses, Book flights and accommodation

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


### Topratepay

[App page](https://appshunter.io/ios/app/topratepay/id6474469336)

Easily and securely send money to friends and family with this intuitive mobile app. Enjoy swift, reliable transactions with bank-level security and real-time notifications. Designed for simplicity, it accommodates various payment methods for a worry-free experience.

**Highlights:** Effortless money transfers, Instant transaction speed, Bank-level security encryption, Real-time transfer notifications, User-friendly interface, Multiple payment method support

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is YoguPay free?

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

### Is Topratepay free?

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

### Do YoguPay or Topratepay have ads?

YoguPay shows ads; Topratepay does not.

### Which is updated more often, YoguPay or Topratepay?

YoguPay ships an update every 8 days, and Topratepay every 14 months. Most recently, YoguPay was updated on October 15, 2026 and Topratepay on October 22, 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.*