# myRAMS

> Mobile banking app for secure account management, payments, and fund transfers. (iPhone/iPad app by Pepper Australia Pty Ltd.)

- Source: https://appshunter.io/ios/app/myrams/id409904422 (this page in markdown: same URL + `.md`)
- Developer: [Pepper Australia Pty Ltd](https://appshunter.io/developer/564965702)
- Category: Finance, Lifestyle
- Price: Free
- Rating: 2.30/5 from 3 App Store ratings · 79 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.1 · 29 MB
- Languages: American English
- Released: 2010-12-22
- Data updated: 2026-08-16
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/myrams/id409904422/reviews.md

## What is myRAMS?

myRAMS Mobile Banking is designed to give customers an easy to use, intuitive and secure environment.

• It’s faster, simpler and more consistent. 
• Separate BPAY and Payee limits
• Intuitive design means simpler, faster access to key functions 
•	Check account balances, transactions, account details
•	Schedule and manage payments, including BPAY®
•	Move money between accounts, Payee or Biller.
•	Quick logon - use your fingerprint, Face id or 4-digit PIN to logon.
•	Manage your settings 

Information is current at the time of download and subject to change.

Terms, conditions and eligibility criteria, fees and charges apply. Pepper Money Limited ABN 55 094 317 665 AFSL and Australian Credit Licence 286655 is the servicer of home loans owned by Pepper Finance Corporation Limited ABN 51 094 317 647. For RAMS loans and RAMS deposit accounts closed on or before 31 July 2026: Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Pepper Money Limited also services these accounts. Pepper Money Limited and its subsidiaries use the RAMS trademarks and brands under licence from RAMS Financial Group Pty Ltd. BPAY® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.

## Key features

- 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

## What do users think of myRAMS?

Overall sentiment: negative

**Pros**

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

**Cons**

- 🐛 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

**Commonly reported bugs**

- Unable to log in after updates
- App crashes when selecting 'pay later'
- Date selection field crashes app
- App requires update but none available
- Endless update loop
- Username incorrect error
- Biometrics not working
- App doesn't load properly
- Floating date block hinders scrolling
- Font too large/small
- Cannot setup app login PIN
- Apple payment issues during update
- App freezes when loading more transactions
- Cannot amend regular payments
- Incorrect running balances
- Transactions not mine appear
- App freezes on certain actions
- References for payments transposed/missing
- Login fails after Face ID setup
- App glitchy and often offline
- System update prevents account access
- Bank transfers slow
- App crashes on selecting 'pay later'
- Cannot view statements past a few weeks
- App locks up when viewing more transactions
- App crashes daily
- Cannot scroll past five days of transactions
- Load more transactions freezes app
- Cannot amend BPay or EFT payments
- Displaying wrong amount/transactions
- App prompts for update, but none available
- Cannot access accounts offline
- Transaction history unclear/hard to search
- App asking for update, but none available
- Fingerprint login nerfed/not recognized
- App support links to web page
- Account nicknames removed
- Multiple accounts shown as 'RAMS Saver'
- Cannot log in since update
- App is slow and has terrible structure
- App consistently crashing
- App very slow to log in
- Cannot view other bank accounts (ING)
- App doesn't recognize fingerprint
- App is basic and web-based

**Most requested features**

- Fix font size issues
- Improve transaction scrolling
- Copy NAB app functionality
- Improve password security
- Add drag and drop transfers

## Recent user reviews (10 of 79)

All indexed reviews: https://appshunter.io/ios/app/myrams/id409904422/reviews.md

### 1/5 — Broken

*2026-08-08, version 4.0.0*

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

### 1/5 — Doesn’t work

*2026-08-06, version 4.0.0*

Please fix

### 1/5 — Won’t Open

*2026-08-04, version 4.0.0*

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

### 1/5 — Keep saying needs update the app

*2026-08-02, version 3.2.1*

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

### 1/5 — App won’t open

*2026-08-02, version 3.2.1*

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.

### 1/5 — not even closer to a banking app

*2026-08-01, version 3.2.1*

What a waste of time

### 1/5 — Not working

*2026-08-01, version 3.2.1*

What happened to the app?? Re installed /updated still doesn’t work

### 1/5 — Still not fixed

*2025-09-09, version 3.1.0*

While this is another update they still don’t fix the issues the last update created. Still unable to see the dates when trying to schedule a recurring payment or later payment. Wasn’t broke to begin with. I now I actually have to set reminders to move money. Very frustrating.

### 1/5 — Last update broke the app

*2025-09-04, version 3.1.0*

Used this app daily for years, but the most recent update broke the app and now I cannot even log in. Have attempted uninstalling and reinstalling from the App Store.

### 1/5 — App is Broken

*2025-08-06, version 3.0.1*

Since “apparent” improvements, app has stopped working completely.   It does not recognise the same credentials I use on website.    I can no longer log in.  Absolutely hopeless.

## Frequently asked questions about myRAMS

### 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.

## Version history (last 5 releases)

### 4.0.0 — 2026-08-02

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

### 3.2.1 — 2026-06-23

App Store name change.

### 3.2.0 — 2026-03-03

We’ve enhanced the mobile app to provide better visibility of arrears information. Arrears are now displayed at each individual account level, giving customers a clearer and more accurate view of their outstanding amounts.
What’s New:
•	Adding Arrears information at each individual account level.

### 3.1.1 — 2025-10-10

The latest myRAMS update introduces a secure way to recover your Customer ID within the app, along with important performance and security enhancements.
 
What’s New:
 
•	New self-service option to securely retrieve your Customer ID.
•	Performance and security enhancements.

### 3.1.0 — 2025-09-02

The latest myRAMS update introduces a secure way to recover your Customer ID within the app, along with important performance and security enhancements.
 
What’s New:
 
•	New self-service option to securely retrieve your Customer ID.
•	Performance and security enhancements.

## Apps similar to myRAMS

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Heartland Bank Australia](https://appshunter.io/ios/app/heartland-bank-australia/id6502449129) | — | Free | Finance |
| [Bank of Sydney Mobile Banking](https://appshunter.io/ios/app/bank-of-sydney-mobile-banking/id1321484237) | — | Free | Finance |
| [Australian Mutual Bank](https://appshunter.io/ios/app/australian-mutual-bank/id1588326634) | — | Free | Finance |
| [Qudos Bank](https://appshunter.io/ios/app/qudos-bank/id1049197958) | 4.2 (6) | Free | Finance |
| [Bank First App](https://appshunter.io/ios/app/bank-first-app/id1093664369) | — | Free | Finance |
| [Resimac](https://appshunter.io/ios/app/resimac/id6450972489) | 5.0 (1) | Free | Finance |

## Related topics

[arrivo](https://appshunter.io/ios/topics/arrivo) · [rams](https://appshunter.io/ios/topics/rams)

---

*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-16.*