# Topratepay vs iNPAY

The clearest difference is update cadence: iNPAY at fortnightly against Topratepay's every 14 months. iNPAY also leads on iOS requirement (13.0 vs 15.1). 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, iNPAY fortnightly. The most recent releases landed on July 8, 2026 and September 8, 2026 respectively.

## The numbers

| Metric | Topratepay | iNPAY |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 0.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 14 months | **Fortnightly** |
| Monetization | Free | — |
| Size | 40 MB | 80 MB |
| Requires iOS | 15.1 | **13.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Toprate Mutual Finance Limited](https://appshunter.io/developer/1721694755) | [INTECH MANAGEMENT LIMITED](https://appshunter.io/developer/1794168843) |

## 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


### iNPAY

[App page](https://appshunter.io/ios/app/inpay/id6741436449)

**In-app purchases:** none


## Frequently asked questions

### Is Topratepay free?

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

### Is iNPAY free?

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

### Do Topratepay or iNPAY have ads?

Neither Topratepay nor iNPAY shows ads.

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

Topratepay ships an update every 14 months, and iNPAY fortnightly. Most recently, Topratepay was updated on July 8, 2026 and iNPAY on September 8, 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.*