# FLEX vs SoftBillsHub

The clearest difference is rating: SoftBillsHub at 5.0 against FLEX's 4.7. SoftBillsHub also leads on update cadence (weekly vs every 2 weeks). FLEX's advantage is ratings volume (11 vs 1). 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.

SoftBillsHub holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: FLEX has 11 ratings behind it against 1, so its average is the more settled of the two.

FLEX ships an update every 2 weeks, SoftBillsHub weekly. The most recent releases landed on October 30, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | FLEX | SoftBillsHub |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (11 ratings)](https://appshunter.io/ios/app/flex-instant-payments/id6740035091/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/softbillshub/id6816104573/reviews)** |
| Number of ratings | **11** | 1 |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Weekly** |
| Monetization | Free | Free |
| Size | 151 MB | 66 MB |
| Requires iOS | 15.6 | **15.5** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [Koinage LLC](https://appshunter.io/developer/1558567429) | [Soft Bills Hub LTD](https://appshunter.io/developer/6816104995) |

## What reviewers say

### FLEX

[App page](https://appshunter.io/ios/app/flex-instant-payments/id6740035091)

Send and receive money instantly in Nigeria using a unique PayTag. Easily pay merchants via QR codes or directly in the app, and request funds with notes for clear tracking. Upgrade your tier for higher limits and enhanced features.

**Highlights:** Instant money sending and receiving, Pay with PayTag, Merchant QR code payments, Request money with notes, Tiered verification for higher limits, Real-time transaction tracking, In-app support

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

**In-app purchases:** none


### SoftBillsHub

[App page](https://appshunter.io/ios/app/softbillshub/id6816104573)

Manage all your essential payments in Nigeria from one secure wallet. Pay for airtime, data, TV, electricity, and more. Includes virtual cards, fixed savings, and money transfers to any bank.

**Highlights:** Instant airtime and data top-ups, Cable TV and electricity bill payments, Virtual card creation for online payments, Fixed savings with growth potential, Send money to any Nigerian bank, Buy and sell digital gift cards, Virtual numbers for verification codes

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

**In-app purchases:** none


## Frequently asked questions

### Is FLEX free?

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

### Is SoftBillsHub free?

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

### Which has better reviews, FLEX or SoftBillsHub?

SoftBillsHub is rated higher. FLEX averages 4.7 out of 5 from 11 ratings, while SoftBillsHub averages 5.0 from 1 ratings.

### Do FLEX or SoftBillsHub have ads?

Neither FLEX nor SoftBillsHub shows ads.

### Which is updated more often, FLEX or SoftBillsHub?

FLEX ships an update every 2 weeks, and SoftBillsHub weekly. Most recently, FLEX was updated on October 30, 2026 and SoftBillsHub on October 31, 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.*