# Topratepay vs Baff

The clearest difference is review sentiment: Baff at 50% against Topratepay's 0%. Baff also leads on update cadence (weekly vs every 14 months). 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.

Topratepay ships an update every 14 months, Baff weekly. The most recent releases landed on July 8, 2026 and August 1, 2026 respectively.

## The numbers

| Metric | Topratepay | Baff |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (6 ratings)](https://appshunter.io/ios/app/baff/id6475769720/reviews)** |
| Number of ratings | — | **6** |
| Positive reviews | 0.0% of reviews | **50.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 14 months | **Weekly** |
| Monetization | Free | Free |
| Size | 40 MB | 103 MB |
| Requires iOS | **15.1** | 15.5 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Toprate Mutual Finance Limited](https://appshunter.io/developer/1721694755) | [Uvacct](https://appshunter.io/developer/1663390119) |

## What reviewers say

### 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


### Baff

[App page](https://appshunter.io/ios/app/baff/id6475769720)

This financial service app allows users to send money and pay for goods and services easily, even without an internet connection. It offers secure, fast transactions, instant bank account opening, and reliable international payment options.

**Highlights:** Offline money transfers, Pay for goods and services, Bank transfers within Nigeria, Instant bank account opening, International Visa/Mastercard, Airtime and data top-up

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Topratepay free?

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

### Is Baff free?

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

### Do Topratepay or Baff have ads?

Neither Topratepay nor Baff shows ads.

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

Topratepay ships an update every 14 months, and Baff weekly. Most recently, Topratepay was updated on July 8, 2026 and Baff on August 1, 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.*