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myRAMS

myRAMS

by Pepper Australia Pty Ltd

3 ratings
79 reviews
🌟 Lifestyle
💰 Finance
Free

Details

Released
December 22, 2010
Updated
August 2, 2026

Features

Developer

Pepper Australia Pty Ltd
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Reviews summary↘︎
⭐79
Reviews↘︎
🔄6+ apps
Alternatives↘︎
❓5 answered
FAQ↘︎
📦~ in 4 months
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About

Manage your finances with a secure and intuitive mobile banking app. Quickly check balances, schedule payments, and transfer funds between accounts. Enjoy fast and easy login options for a seamless banking experience.

✓Check account balances and transactions
✓Schedule and manage payments (BPAY)
✓Transfer funds between accounts and payees
✓Intuitive and fast access to functions
✓Secure quick logon (fingerprint, Face ID, PIN)
✓Manage account settings
Show original description

What users say about myRAMS

Reviews of myRAMS are mostly negative: the Finance app is rated 2.3/5 from 3 App Store ratings. What users like most: easy to use (historically), good for managing mortgage. Top complaints: app constantly crashing, frequent login issues. Summarized from real user reviews.

Positive things

  • 👍Easy to use (historically)
  • 👍Good for managing mortgage
  • 👍Transfer funds between accounts
  • 👍Face ID/Touch ID login (when working)

Negative things

  • 🐛App constantly crashing
  • 🐛Frequent login issues
  • 🐛Update loops
  • 🐛Poor user interface
  • 🐛Limited transaction history
  • 🐛Unreliable running balances
  • 🐛Slow performance
  • 🐛Font size issues
  • 🐛Difficulty scrolling transactions
See all reviews

What's New in myRAMS

4.0.0

August 2, 2026

We’ve made updates to improve your experience: - Updated branding to show RAMS loans are now powered by Pepper Money - Added Pepper Money disclosures and disclaimers - Removed the option to consent to sharing your data with third parties, as this feature is not available - Added a consent step for Move Money transactions, requiring you to accept the Terms and Conditions before proceeding

More

User reviews

Most RecentHighest RatedLowest Rated

Broken

This app doesn’t work. New owners of RAMS loans please fix it, it’s embarrassing…!
RRicky_downunder

Doesn’t work

Please fix
NAno assistance

Won’t Open

Updated the app (due to Pepper taking it over) and the app now won’t even open.
LLachyboy

Keep saying needs update the app

I HAVE UPDATED, UNINSTALL AND REINSTALLED . I CANT LOG IN!!!!
EAEl fffs aa

App won’t open

The app won’t open and says it needs to be updated, but there are no updates available in the App Store. There is no one to contact for support and I can’t access my bank account. The support page isn’t helpful at all.
NGNot for me, no refund given
See 74 more reviews

User experience

🐞

Reported Bugs

45 issues

Unable to log in after updates

Bug

App crashes when selecting 'pay later'

Bug

Date selection field crashes app

Bug

App requires update but none available

Bug

Endless update loop

Bug

Username incorrect error

Bug

Biometrics not working

Bug

App doesn't load properly

Bug

Floating date block hinders scrolling

Bug

Font too large/small

Bug

Cannot setup app login PIN

Bug

Apple payment issues during update

Bug

App freezes when loading more transactions

Bug

Cannot amend regular payments

Bug

Incorrect running balances

Bug

Transactions not mine appear

Bug

App freezes on certain actions

Bug

References for payments transposed/missing

Bug

Login fails after Face ID setup

Bug

App glitchy and often offline

Bug

System update prevents account access

Bug

Bank transfers slow

Bug

App crashes on selecting 'pay later'

Bug

Cannot view statements past a few weeks

Bug

App locks up when viewing more transactions

Bug

App crashes daily

Bug

Cannot scroll past five days of transactions

Bug

Load more transactions freezes app

Bug

Cannot amend BPay or EFT payments

Bug

Displaying wrong amount/transactions

Bug

App prompts for update, but none available

Bug

Cannot access accounts offline

Bug

Transaction history unclear/hard to search

Bug

App asking for update, but none available

Bug

Fingerprint login nerfed/not recognized

Bug

App support links to web page

Bug

Account nicknames removed

Bug

Multiple accounts shown as 'RAMS Saver'

Bug

Cannot log in since update

Bug

App is slow and has terrible structure

Bug

App consistently crashing

Bug

App very slow to log in

Bug

Cannot view other bank accounts (ING)

Bug

App doesn't recognize fingerprint

Bug

App is basic and web-based

Bug
✨

Requested Features

5 requests

Fix font size issues

Feature

Improve transaction scrolling

Feature

Copy NAB app functionality

Feature

Improve password security

Feature

Add drag and drop transfers

Feature

FAQ

What can I do with the myRAMS Mobile Banking app?

The app allows you to securely check your account balances and transaction history, schedule and manage payments including BPAY, and move money between your accounts, payees, or billers. You can also manage your account settings and enjoy quick login options.

Is the myRAMS Mobile Banking app secure?

Yes, the app is designed to provide a secure environment for your banking needs. It offers quick logon options such as fingerprint, Face ID, or a 4-digit PIN to protect your accounts.

How do I log in to the myRAMS Mobile Banking app?

You can log in quickly and securely using your fingerprint, Face ID, or a 4-digit PIN. This provides faster access to your accounts compared to traditional login methods.

Can I make BPAY payments through this app?

Yes, the app allows you to schedule and manage payments, including BPAY transactions. You can also set separate BPAY and Payee limits for added control over your transactions.

Is this app free to download and use?

Based on the provided information, the app is free to download and use. There are no mentions of in-app purchases or subscription fees for its core banking functionalities.