# Topratepay vs Shoal

The clearest difference is review sentiment: Shoal at 90% against Topratepay's 0%. Shoal also leads on update cadence (every 2 months 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, Shoal every 2 months. The most recent releases landed on October 22, 2026 and October 6, 2026 respectively.

## The numbers

| Metric | Topratepay | Shoal |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (1 ratings)](https://appshunter.io/ios/app/shoal/id6737417897/reviews)** |
| Number of ratings | — | **1** |
| Positive reviews | 0.0% of reviews | **90.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 14 months | **Every 2 months** |
| Monetization | Free | Free |
| Size | 40 MB | 147 MB |
| Requires iOS | 15.1 | 15.1 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Toprate Mutual Finance Limited](https://appshunter.io/developer/1721694755) | [Algbra FS UK Limited](https://appshunter.io/developer/1610109637) |

## 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


### Shoal

[App page](https://appshunter.io/ios/app/shoal/id6737417897)

Grow your savings while supporting sustainable global projects. Track your positive environmental impact, like CO2 avoidance and clean water generation, alongside your financial growth. Contribute to UN Sustainable Development Goals with FSCS-protected savings pots.

**Highlights:** Earn returns on savings, Support green and social projects, Track CO2e avoidance, Track clean water generated, Contribute to UN SDGs, FSCS protected savings

**In-app purchases:** none


## Frequently asked questions

### Is Topratepay free?

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

### Is Shoal free?

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

### Do Topratepay or Shoal have ads?

Neither Topratepay nor Shoal shows ads.

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

Topratepay ships an update every 14 months, and Shoal every 2 months. Most recently, Topratepay was updated on October 22, 2026 and Shoal on October 6, 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.*