Topratepay vs Minted Edge
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Topratepay
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.
- Effortless money transfers
- Instant transaction speed
- Bank-level security encryption
- Real-time transfer notifications
- User-friendly interface
- Multiple payment method support
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Introducing Topratepay, your trusted companion for effortless and secure money transfers. Seamlessly designed to simplify the way you send money to friends and loved ones, Topratepay ensures that your transactions are swift, reliable, and worry-free. Key Features: 1. Effortless Transactions: With Topratepay, sending money becomes a breeze. The intuitive interface allows users to complete transactions with just a few taps, making it quick and convenient for both sender and recipient. 2. Instant Transfers: Say goodbye to long waiting times. QuickSend enables instant money transfers, ensuring that your loved ones receive the funds they need when they need them the most. 3. Bank-Level Security: We prioritize your security. Topratepay employs cutting-edge encryption technologies to safeguard your financial information, providing you with peace of mind for every transaction. 4. Real-Time Notifications: Stay informed at every step. Topratepay keeps you updated with real-time notifications, from the moment you initiate a transfer to its successful completion. 5. User-Friendly Interface: Topratepay is designed with simplicity in mind. Whether you're a tech-savvy user or new to mobile banking, our user-friendly interface ensures a smooth and enjoyable experience. 6. Wide Range of Accepted Payment Methods: Topratepay accommodates various payment methods, ensuring flexibility and convenience for users. Link your bank account, credit card, or other preferred payment methods effortlessly. Empower your relationships with Topratepay—your go-to app for sending money to those who matter most. Download now and experience the next level of simplicity, speed, and security in mobile money transfers. Topratepay has been in Money Services Business since 2005, registered with the Financial Conduct Authority (FCA) United Kingdom with Registration Number 550566. Registered with HMRC and Companies House registration number 04484535
Minted Edge
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Make your money as global as you are. Send and receive payments in 37 currencies Enjoy immediate settlement - and no transfer limits. Insight and payment insights from experts who’ve consulted for J.P. Morgan, Coutts and Goldman Sachs. We believe that even the most complex business finances shouldn’t be complicated to manage. It’s why we developed Minted Edge: to simplify payments, expenses, budgeting, and payroll by creating a banking ecosystem that works for your business. Minted Edge is more than just an app—it’s a game-changer. Key Features: 1. Seamless payments. Manage all your global transactions in one place. Minted Edge ensures smooth cash flow with just a few taps. 2. Expenses made easy. Stay on budget, spot ways to save, and make informed, real-time decisions. 3. Real-time sync and integration. Connect Minted Edge with your existing financial software, banks, and tools for accurate, immediate, seamless data flow. 4. Safety and security. Minted Edge uses encryption and security protocols to protect both your data and your finances. 5. Track key metrics and visualise your financial performance to help you make data-driven decisions with confidence. 6. 24/7 support. Connect with industry experts for insights, advice and answers, any time of day or night. Download Minted Edge today Experience a faster, smarter, intuitive and secure way to manage your finances.
Screenshots
Verdict
The clearest difference is update cadence: Minted Edge at every 9 days against Topratepay's every 14 months. On price, ads, in-app purchases and device support there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
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, Minted Edge every 9 days. The most recent releases landed on October 22, 2026 and October 27, 2026 respectively.
| Parameter | Topratepay | Minted Edge |
|---|---|---|
| Price | Free | Free |
| Positive reviews | 0.0% of reviews | — |
| Update frequency | Every 14 months | Every 9 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.1 — better | 15.6 |
| Further details — not scored | ||
| Size | 40 MB | 52 MB |
| Age rating | 4+ | 4+ |
| Developer | Toprate Mutual Finance Limited | Equals Money PLC |
In-app purchases
Topratepay
No in-app purchases
Minted Edge
No in-app purchases









