# 78 MFB vs Stipend

The clearest difference is review sentiment: 78 MFB at 53% against Stipend's 0%. 78 MFB also leads on update cadence (every 9 days vs every 4 months). Stipend's advantage is iOS requirement (13.0 vs 15.6). On price, ads, in-app purchases and monetization model there is nothing between them.

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

78 MFB ships an update every 9 days, Stipend every 4 months. The most recent releases landed on October 18, 2026 and October 5, 2026 respectively.

## The numbers

| Metric | 78 MFB | Stipend |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.8 (38 ratings)](https://appshunter.io/ios/app/78-mfb/id6470311222/reviews)** | — |
| Number of ratings | **38** | — |
| Positive reviews | **52.9% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 9 days** | Every 4 months |
| Monetization | Free | Free |
| Size | 124 MB | 88 MB |
| Requires iOS | 15.6 | **13.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 12+ | 4+ |
| Developer | [BLAAIZ INNOVATIONS TECHNOLOGY LTD](https://appshunter.io/developer/1713385154) | [STIPEND INTEGRATED SOLUTIONS LIMITED](https://appshunter.io/developer/1840368226) |

## What reviewers say

### 78 MFB

[App page](https://appshunter.io/ios/app/78-mfb/id6470311222)

Manage your finances with a global banking app. Open savings and current accounts, make swift money transfers, and pay bills effortlessly. Schedule payments in advance and handle bulk transactions with ease.

**Highlights:** Savings and Current Accounts, Swift Money Transfers, Effortless Bills Payment, Scheduled Payments, Bulk Payments

**Features:** Vision Pro support

**In-app purchases:** none


### Stipend

[App page](https://appshunter.io/ios/app/stipend/id6752647125)

Manage all your everyday financial needs in one super app. Make payments, shop internationally with a virtual card, and access flexible financing options for purchases. It offers a secure and convenient way to handle bills, online shopping, and buy now, pay later services.

**Highlights:** Virtual dollar card for international payments, Fast and easy bill payments, E-commerce marketplace for shopping, Buy Now, Pay Later financing options, Secure authentication and encrypted transactions, 24/7 customer support

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

**In-app purchases:** none


## Frequently asked questions

### Is 78 MFB free?

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

### Is Stipend free?

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

### Do 78 MFB or Stipend have ads?

Neither 78 MFB nor Stipend shows ads.

### Which is updated more often, 78 MFB or Stipend?

78 MFB ships an update every 9 days, and Stipend every 4 months. Most recently, 78 MFB was updated on October 18, 2026 and Stipend on October 5, 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.*