# Stanbic IBTC Mobile 3.0 vs PayRep

The clearest difference is update cadence: PayRep at every 2 weeks against Stanbic IBTC Mobile 3.0's every 3 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.

Stanbic IBTC Mobile 3.0 ships an update every 3 months, PayRep every 2 weeks. Both last shipped on October 24, 2026.

## The numbers

| Metric | Stanbic IBTC Mobile 3.0 | PayRep |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.9 (116 ratings)](https://appshunter.io/ios/app/stanbic-ibtc-mobile-30/id6477922208/reviews)** | — |
| Number of ratings | **116** | — |
| Positive reviews | 12.7% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 2 weeks** |
| Monetization | Free | — |
| Size | 185 MB | 133 MB |
| Requires iOS | 15.5 | 15.5 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Stanbic IBTC Holdings Plc](https://appshunter.io/developer/1167007239) | [Xchange Box Solutions LTD](https://appshunter.io/developer/1829933274) |

## What reviewers say

### Stanbic IBTC Mobile 3.0

[App page](https://appshunter.io/ios/app/stanbic-ibtc-mobile-30/id6477922208)

This comprehensive finance app allows users to manage banking, insurance, stocks, mutual funds, and pensions. It offers voice banking, an electronic wallet, and the ability to open an instant account or wallet without being an existing customer.

**Highlights:** Voice Banking, Insurance module, Stocks trading, Mutual Funds investing, Electronic wallet (@ease), Pensions module, Instant account opening

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### PayRep

[App page](https://appshunter.io/ios/app/payrep/id6749309943)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Stanbic IBTC Mobile 3.0 free?

Stanbic IBTC Mobile 3.0 is free to download, with no in-app purchases.

### Is PayRep free?

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

### Do Stanbic IBTC Mobile 3.0 or PayRep have ads?

Neither Stanbic IBTC Mobile 3.0 nor PayRep shows ads.

### Which is updated more often, Stanbic IBTC Mobile 3.0 or PayRep?

Stanbic IBTC Mobile 3.0 ships an update every 3 months, and PayRep every 2 weeks. Most recently, Stanbic IBTC Mobile 3.0 was updated on October 24, 2026 and PayRep on October 24, 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.*