# monpay vs Netcapital Securities

The clearest difference is update cadence: monpay at every 10 days against Netcapital Securities's every 3 months. monpay also leads on iOS requirement (13.0 vs 15.1). 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.

monpay ships an update every 10 days, Netcapital Securities every 3 months. The most recent releases landed on September 26, 2026 and September 9, 2026 respectively.

## The numbers

| Metric | monpay | Netcapital Securities |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.6 (106 ratings)](https://appshunter.io/ios/app/monpay/id978594162/reviews)** | — |
| Number of ratings | **106** | — |
| Positive reviews | 24.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 10 days** | Every 3 months |
| Monetization | Free | — |
| Size | 142 MB | 82 MB |
| Requires iOS | **13.0** | 15.1 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 9+ | 17+ |
| Developer | [Mobicom Corporation LLC](https://appshunter.io/developer/567384697) | [Netcapital Financial Corporation NBFI LLC](https://appshunter.io/developer/1534832852) |

## 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


### Netcapital Securities

[App page](https://appshunter.io/ios/app/netcapital-securities/id6476916321)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is monpay free?

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

### Is Netcapital Securities free?

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

### Do monpay or Netcapital Securities have ads?

Neither monpay nor Netcapital Securities shows ads.

### Which is updated more often, monpay or Netcapital Securities?

monpay ships an update every 10 days, and Netcapital Securities every 3 months. Most recently, monpay was updated on September 26, 2026 and Netcapital Securities on September 9, 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.*