# Topratepay vs Instant

The clearest difference is update cadence: Instant at every 6 months against Topratepay's every 14 months. On price, ads, in-app purchases and device support 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, Instant every 6 months. The most recent releases landed on October 22, 2026 and October 15, 2026 respectively.

## The numbers

| Metric | Topratepay | Instant |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 0.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 14 months | **Every 6 months** |
| Monetization | Free | — |
| Size | 40 MB | 32 MB |
| Requires iOS | 15.1 | **14.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Toprate Mutual Finance Limited](https://appshunter.io/developer/1721694755) | [UnicoConnect Pvt Ltd](https://appshunter.io/developer/1787543451) |

## 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


### Instant

[App page](https://appshunter.io/ios/app/instant-ex/id6739961160)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Topratepay free?

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

### Is Instant free?

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

### Do Topratepay or Instant have ads?

Neither Topratepay nor Instant shows ads.

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

Topratepay ships an update every 14 months, and Instant every 6 months. Most recently, Topratepay was updated on October 22, 2026 and Instant on October 15, 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.*