# PAQ Wallet vs OffRisk

The clearest difference is in-app purchases: PAQ Wallet at none against OffRisk's 2. PAQ Wallet also leads on iOS requirement (15.5 vs 17.0). On price, rating, review sentiment and ratings volume there is nothing between them.

Both are free to download. OffRisk sells 2 in-app purchases, starting at $2.99 per month. PAQ Wallet asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 4.6 for PAQ Wallet against 4.5 for OffRisk. Both are backed by a comparable volume of ratings — 5 and 2 respectively. Written reviews split almost evenly too, at 100% and 100% positive.

PAQ Wallet ships an update every 4 weeks, OffRisk every 5 weeks. The most recent releases landed on October 27, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | PAQ Wallet | OffRisk |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (5 ratings)](https://appshunter.io/ios/app/paq-wallet/id6450115741/reviews)** | [4.5 (2 ratings)](https://appshunter.io/ios/app/offrisk-expense-tracker/id6791018595/reviews) |
| Number of ratings | **5** | 2 |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | **Every 4 weeks** | Every 5 weeks |
| Monetization | **Free** | Freemium |
| Size | 133 MB | 72 MB |
| Requires iOS | **15.5** | 17.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 17+ | 4+ |
| Developer | [PAQ Transaction Services, Inc](https://appshunter.io/developer/1686994141) | [Leonel Osuna](https://appshunter.io/developer/1868258573) |

## What reviewers say

### PAQ Wallet

[App page](https://appshunter.io/ios/app/paq-wallet/id6450115741)

Manage your finances securely and conveniently with a rechargeable Mastercard. Make payments, transfers, and online purchases easily, all from one app. Receive remittances and withdraw or recharge funds without needing a traditional bank account.

**Highlights:** Securely manage money, Rechargeable Mastercard for payments, Online and in-store purchases, Receive remittances, Withdraw and recharge funds, No bank account required

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

**In-app purchases:** none


### OffRisk

[App page](https://appshunter.io/ios/app/offrisk-expense-tracker/id6791018595)

Effortlessly track your spending, create budgets, and gain insights into your financial habits. This app uses AI to scan receipts, offers personalized financial education, and provides visual reports to help you manage your money effectively.

**Highlights:** Instant expense and income logging, AI-powered receipt scanning, Customizable budget limits, Visual spending analytics, AI financial education assistant, Home Screen widget for balance check

**Features:** macOS Compatibility

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| OffRisk Pro — Monthly Plan | $2.99 | per month |
| OffRisk Pro — Annual Plan | $24.99 | per year |


## Frequently asked questions

### Is PAQ Wallet free?

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

### Is OffRisk free?

OffRisk is free to download, with in-app purchases available.

### Which has better reviews, PAQ Wallet or OffRisk?

PAQ Wallet is rated higher. PAQ Wallet averages 4.6 out of 5 from 5 ratings, while OffRisk averages 4.5 from 2 ratings.

### Do PAQ Wallet or OffRisk have ads?

Neither PAQ Wallet nor OffRisk shows ads.

### Which is updated more often, PAQ Wallet or OffRisk?

PAQ Wallet ships an update every 4 weeks, and OffRisk every 5 weeks. Most recently, PAQ Wallet was updated on October 27, 2026 and OffRisk on October 24, 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.*