# Cash App vs urpay

The clearest difference is review sentiment: Cash App at 55% against urpay's 27%. Cash App also leads on ratings volume (8.7M vs 12K) and rating (4.8 vs 4.6). urpay's advantage is iOS requirement (14.0 vs 17.0). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Cash App holds the better App Store score, 4.8 against 4.6. That said, the two scores are not equally well evidenced: Cash App has 8.7M ratings behind it against 12K, so its average is the more settled of the two. Written reviews point the same way: 55% of Cash App's written reviews are positive against 27% of urpay's.

Cash App ships an update weekly, urpay every 9 days. The most recent releases landed on September 25, 2026 and September 24, 2026 respectively.

## The numbers

| Metric | Cash App | urpay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (8.7M ratings)](https://appshunter.io/ios/app/cash-app/id711923939/reviews)** | [4.6 (12K ratings)](https://appshunter.io/ios/app/urpay/id1585778338/reviews) |
| Number of ratings | **8.7M** | 12K |
| Positive reviews | **54.7% of reviews** | 26.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Weekly** | Every 9 days |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Best chart rank | **#4** | — |
| Size | 425 MB | 194 MB |
| Requires iOS | 17.0 | **14.0** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 12+ | 4+ |
| Developer | [Block, Inc.](https://appshunter.io/developer/335393791) | [Neoleap](https://appshunter.io/developer/1585778340) |

## What reviewers say

### Cash App

[App page](https://appshunter.io/ios/app/cash-app/id711923939)

**Currently charting:** #4 Top Free · Finance, #46 Top Free (US App Store)

Easily send and receive money or bitcoin instantly. Save by rounding up change, invest in stocks or bitcoin, and get paid up to two days early with direct deposit. Features a customizable debit card with exclusive discounts.

**Highlights:** Send & receive money/bitcoin instantly, Round up spare change to save, Invest in stocks, ETFs, and bitcoin, Direct deposit for early paychecks, Customizable debit card with discounts, Free Lightning Network transfers

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 💳 Easy money transferring
- 🚀 Convenient and user-friendly app
- 🤑 Referral bonuses and discounts
- 🤑 Free tax filing
- 🤑 Borrow money feature

**What reviewers complain about**

- 🔒 Security issues and account hacking
- 🤖 Poor customer service and lack of live support
- 💰 Unexpected fees and charges
- 🔍 Unclear account restrictions and limits
- 🐛 App crashes and technical issues

**Reported bugs**

- Recurring issues with direct deposits and money transfers
- Inconsistent app behavior and unexpected account restrictions
- Problems with mobile check deposits and cash withdrawals

**Requested features**

- Improve customer support with live chat or phone options
- Provide more transparency on account policies and limitations
- Enhance security features to prevent fraud and unauthorized access
- Streamline the refund and dispute process for users


### urpay

[App page](https://appshunter.io/ios/app/urpay/id1585778338)

A smart digital wallet for managing finances. Easily top up, send money globally, pay bills, and issue cards. Offers features like payment splitting, family wallets, and instant finance.

**Highlights:** Digital wallet, Global money transfer, Bill payments, Virtual and physical cards, Mobile top-ups, Payment splitting, Family wallet

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 💙 Best Digital Wallet
- 👍 Easy to use, fast and good
- 🚀 Fast and reliable even outside the kingdom
- 💰 Great deals and user-friendly

**What reviewers complain about**

- 🐛 Network issues, app not working
- 💰 High fees for transfers and transactions
- 🔒 Requires location access
- 🤔 Sudden changes to limits and features
- 🤯 Terrible customer service and unresponsive

**Reported bugs**

- Login/signup issues
- Freezing, crashing, and performance problems
- International transfers not working
- Deduction of funds without reason

**Requested features**

- Add monthly spending reports
- Allow multiple wallets
- Support Mada cards
- Restore previous cashback rates
- Increase transfer limits


## Frequently asked questions

### Is Cash App free?

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

### Is urpay free?

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

### Which has better reviews, Cash App or urpay?

Cash App is rated higher. Cash App averages 4.8 out of 5 from 8.7M ratings, while urpay averages 4.6 from 12K ratings.

### Do Cash App or urpay have ads?

Neither Cash App nor urpay shows ads.

### Which is updated more often, Cash App or urpay?

Cash App ships an update weekly, and urpay every 9 days. Most recently, Cash App was updated on September 25, 2026 and urpay on September 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.*