# monpay vs XacBank

The clearest difference is rating: monpay at 3.6 against XacBank's 2.6. monpay also leads on review sentiment (24% vs 0%) and update cadence (every 9 days vs every 3 weeks). On price, ratings volume, 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.

monpay holds the better App Store score, 3.6 against 2.6. Both are backed by a comparable volume of ratings — 109 and 57 respectively. Written reviews point the same way: 24% of monpay's written reviews are positive against 0% of XacBank's.

monpay ships an update every 9 days, XacBank every 3 weeks. The most recent releases landed on October 24, 2026 and October 27, 2026 respectively.

## The numbers

| Metric | monpay | XacBank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.6 (109 ratings)](https://appshunter.io/ios/app/monpay/id978594162/reviews)** | [2.6 (57 ratings)](https://appshunter.io/ios/app/xacbank/id1534265552/reviews) |
| Number of ratings | **109** | 57 |
| Positive reviews | **24.0% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 9 days** | Every 3 weeks |
| Monetization | Free | Free |
| Size | 142 MB | 141 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 9+ | 4+ |
| Developer | [Mobicom Corporation LLC](https://appshunter.io/developer/567384697) | [Xac Bank](https://appshunter.io/developer/781439024) |

## What reviewers say

### monpay

[App page](https://appshunter.io/ios/app/monpay/id978594162)

This finance app offers a simple, secure, and fast way to manage your daily transactions. It features flexible loan terms, a dark mode option, and a variety of lifestyle mini-apps. Discover discounts and make QR code payments through its open market.

**Highlights:** Simple, secure, and fast transactions, Flexible loan terms, Dark mode, Daily lifestyle mini-apps, Open market access, QR code payments, Discount coupons

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

**In-app purchases:** none


### XacBank

[App page](https://appshunter.io/ios/app/xacbank/id1534265552)

Manage your finances with a comprehensive banking app. Perform various transactions, manage accounts, apply for loans, and order cards. New users can onboard digitally without visiting a branch.

**Highlights:** Internal and external bank transfers, Interbank and international money transfers, Bill payments, Account management and opening, Loan applications and management, Card ordering and management, Branch and ATM locator

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

**In-app purchases:** none


## Frequently asked questions

### Is monpay free?

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

### Is XacBank free?

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

### Which has better reviews, monpay or XacBank?

monpay is rated higher. monpay averages 3.6 out of 5 from 109 ratings, while XacBank averages 2.6 from 57 ratings.

### Do monpay or XacBank have ads?

Neither monpay nor XacBank shows ads.

### Which is updated more often, monpay or XacBank?

monpay ships an update every 9 days, and XacBank every 3 weeks. Most recently, monpay was updated on October 24, 2026 and XacBank on October 27, 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.*