# Efecty vs Tpaga

The clearest difference is rating: Tpaga at 3.4 against Efecty's 1.8. Efecty's advantage is monetization model (free vs ad-supported). On price, review sentiment, ratings volume and update cadence there is nothing between them.

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

Tpaga holds the better App Store score, 3.4 against 1.8. Both are backed by a comparable volume of ratings — 37 and 24 respectively. Written reviews complicate that: 29% of Efecty's written reviews are positive against 27% of Tpaga's, so the app with the better star average is not the one people write more warmly about.

Efecty ships an update every 2 weeks, Tpaga every 3 weeks. Both last shipped on October 16, 2026.

## The numbers

| Metric | Efecty | Tpaga |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.8 (37 ratings)](https://appshunter.io/ios/app/efecty/id712562218/reviews) | **[3.4 (24 ratings)](https://appshunter.io/ios/app/tpaga-mobile-wallet/id1163936960/reviews)** |
| Number of ratings | **37** | 24 |
| Positive reviews | **28.6% of reviews** | 27.4% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 3 weeks |
| Monetization | **Free** | Ad-supported |
| Size | 83 MB | 80 MB |
| Requires iOS | **14.0** | 15.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Efectivo Ltda.](https://appshunter.io/developer/712562221) | [Tpaga S.A.S.](https://appshunter.io/developer/1163936959) |

## What reviewers say

### Efecty

[App page](https://appshunter.io/ios/app/efecty/id712562218)

Manage your finances and send money with ease. This app allows you to send and receive money transfers, pay bills, and find nearby service points. You can also open an electronic deposit account to manage your funds, make various payments, and transfer money to other banks.

**Highlights:** Send money transfers, Consult sent and available transfers, Pay obligations from various agreements, View service tariffs, Locate physical service points, Open an electronic deposit account, Transfer money to other banks

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

**In-app purchases:** none


### Tpaga

[App page](https://appshunter.io/ios/app/tpaga-mobile-wallet/id1163936960)

Manage your finances on the go with this mobile wallet. Make payments, purchases, and withdrawals easily from your phone. Invest in collective funds, receive money, and access a vast network for cash withdrawals and transactions.

**Highlights:** Mobile payments and purchases, Withdrawals at allied points, Collective investment fund, Virtual debit card, Pay public services, Recharge minutes and data

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Efecty free?

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

### Is Tpaga free?

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

### Which has better reviews, Efecty or Tpaga?

Tpaga is rated higher. Efecty averages 1.8 out of 5 from 37 ratings, while Tpaga averages 3.4 from 24 ratings.

### Do Efecty or Tpaga have ads?

Neither Efecty nor Tpaga shows ads.

### Which is updated more often, Efecty or Tpaga?

Efecty ships an update every 2 weeks, and Tpaga every 3 weeks. Most recently, Efecty was updated on October 16, 2026 and Tpaga on October 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.*