# CircleFunds vs SmartpayVTU

The clearest difference is update cadence: SmartpayVTU at daily against CircleFunds's every 3 weeks. SmartpayVTU also leads on iOS requirement (13.0 vs 15.6). 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.

CircleFunds ships an update every 3 weeks, SmartpayVTU daily. The most recent releases landed on September 19, 2026 and September 16, 2026 respectively.

## The numbers

| Metric | CircleFunds | SmartpayVTU |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Daily** |
| Size | 123 MB | 33 MB |
| Requires iOS | 15.6 | **13.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 17+ | 4+ |
| Developer | [Circlefunds Technologies Limited](https://appshunter.io/developer/1779164250) | [LEMS - TECH INTEGRATED SERVICES](https://appshunter.io/developer/1838661649) |

## What reviewers say

### CircleFunds

[App page](https://appshunter.io/ios/app/circlefunds/id6738065036)

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

**In-app purchases:** none


### SmartpayVTU

[App page](https://appshunter.io/ios/app/smartpayvtu/id6755654068)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is CircleFunds free?

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

### Is SmartpayVTU free?

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

### Do CircleFunds or SmartpayVTU have ads?

Neither CircleFunds nor SmartpayVTU shows ads.

### Which is updated more often, CircleFunds or SmartpayVTU?

CircleFunds ships an update every 3 weeks, and SmartpayVTU daily. Most recently, CircleFunds was updated on September 19, 2026 and SmartpayVTU on September 16, 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.*