they are pretty similar as IF.....THEN
If you got cash then we can go to the mall, because i lost my credit card.
of course not just this one usage, but hope this example can help you to understand this pair.
December 7, 2014
如果... = ...的话 = 如果......的话
yes, they are the same.
的话 highlights the second part of the sentence. that's all.
anyway, they are the same.