# State Bank vs Pays

The clearest difference is rating: State Bank at 3.7 against Pays's 3.0. State Bank also leads on ratings volume (19 vs 2). Pays's advantage is iOS requirement (14.0 vs 17.0). 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.

State Bank holds the better App Store score, 3.7 against 3.0. That said, the two scores are not equally well evidenced: State Bank has 19 ratings behind it against 2, so its average is the more settled of the two.

State Bank ships an update monthly, Pays every 5 weeks. Both last shipped on October 30, 2026.

## The numbers

| Metric | State Bank | Pays |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.7 (19 ratings)](https://appshunter.io/ios/app/state-bank/id6469474361/reviews)** | [3.0 (2 ratings)](https://appshunter.io/ios/app/pays/id6743153994/reviews) |
| Number of ratings | **19** | 2 |
| Positive reviews | 60.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 5 weeks |
| Monetization | Free | Free |
| Size | 59 MB | 84 MB |
| Requires iOS | 17.0 | **14.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [state bank](https://appshunter.io/developer/703343975) | [Main street finance NBFI LLC](https://appshunter.io/developer/1801690089) |

## What reviewers say

### State Bank

[App page](https://appshunter.io/ios/app/state-bank/id6469474361)

Manage your finances on the go with this banking app. Access account balances, make transfers, pay bills, and apply for loans 24/7. Find ATMs and branches, and utilize helpful calculators.

**Highlights:** Account balance and transaction history, Interbank and intra-bank transfers, Utility and bill payments, Loan calculator and digital loans, ATM and branch locator, Exchange rate information, Qpay and E-money services

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

**In-app purchases:** none


### Pays

[App page](https://appshunter.io/ios/app/pays/id6743153994)

This service offers innovative loan solutions using modern technology to save you time. Borrow between 50,000 and 2,000,000 MNT with repayment terms of 3, 6, 9, 12, or 24 months, without requiring collateral.

**Highlights:** Quick loan application, Flexible repayment terms, No collateral required, Modern technology solutions, Loan amounts up to 2,000,000 MNT

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is State Bank free?

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

### Is Pays free?

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

### Which has better reviews, State Bank or Pays?

State Bank is rated higher. State Bank averages 3.7 out of 5 from 19 ratings, while Pays averages 3.0 from 2 ratings.

### Do State Bank or Pays have ads?

Neither State Bank nor Pays shows ads.

### Which is updated more often, State Bank or Pays?

State Bank ships an update monthly, and Pays every 5 weeks. Most recently, State Bank was updated on October 30, 2026 and Pays on October 30, 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.*