Comparison

ReferLive vs OnPath Mobile

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

ReferLive

Earn money by referring friends to open new bank accounts. Receive bonus payments of $50 or more for each qualified referral, with the potential to earn over $500 annually. Track your progress and manage referrals easily.

Highlights
  • Refer friends via text, email, or social media
  • Track referral progress
  • Quick login feature
  • Receive reward cards for referrals
  • Direct contact with support
Features
Read full description

Get paid by your financial institution to refer your friends to open a new bank account. ReferLive makes it easier and more secure than ever. Receive bonus payments of $50 or more for each qualified referral. You can earn $500 or more each year. Refer Your Friends - Choose how you want to share the offer: text, email, Facebook, Twitter Manage And Track Your Success - View your reward progress and make additional referrals all in one convenient place Quick Access - Enable our quick login feature after your first sign on for even faster access to referrals Rewards Delivered to You - Your financial institution will send reward cards directly to you for qualified referrals - Reward cards can be used anywhere you make purchases with a debit card Contact Us Easily - Let us know if you have a question - 615-864-7520 - info@referlive.com

About

OnPath Mobile

Manage your finances with 24/7 account access. Check balances, deposit checks remotely, and pay bills. Send money instantly with Zelle®, track loans, and monitor your credit score with personalized tips. Connect external accounts and enjoy advanced security features.

Highlights
  • Check balances and transaction history
  • Remote check deposit
  • Instant peer-to-peer payments with Zelle®
  • Bill pay and scheduling
  • Credit score access and improvement tips
  • Connect external financial accounts
  • Biometric login security
Features
Read full description

Effortlessly manage your finances with the OnPath Mobile App. Enjoy the freedom of 24/7 access to your accounts. Key Features: • Check balances and transaction history across all your linked accounts, including checking, savings, and loans. • Deposit Checks with our Remote Deposit Capabilities. View account statements, download transaction history, and set up account alerts. • Send and receive money instantly with Zelle® for fast and secure peer-to-peer payments. • Pay bills with ease using our bill pay features, schedule payments, and manage recurring bills. • Access your credit score directly within the app and get personalized tips on how to improve your credit plus offers on great financial products tailored to you. • Make loan payments, view loan balances and due dates, and track your loan progress. • Connect and manage accounts from other banks and financial institutions in one. • Experience peace of mind with our advanced security features, including fingerprint or facial recognition login.

Screenshots

ReferLive3 screens
OnPath Mobile4 screens

Verdict

The call

The clearest difference is review sentiment: OnPath Mobile at 84% against ReferLive's 0%. OnPath Mobile also leads on rating (4.9 vs 3.3) and ratings volume (18K vs 6). ReferLive's advantage is monetization model (free vs ad-supported) and iOS requirement (8.0 vs 16.0). On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

OnPath Mobile holds the better App Store score, 4.9 against 3.3. That said, the two scores are not equally well evidenced: OnPath Mobile has 18K ratings behind it against 6, so its average is the more settled of the two. Written reviews point the same way: 0% of ReferLive's written reviews are positive against 84% of OnPath Mobile's.

UpkeepUpdate frequency

ReferLive ships an update every 5 months, OnPath Mobile every 5 weeks. The most recent releases landed on September 25, 2026 and October 17, 2026 respectively.

Scorecard6 real differences · 4 level
ReferLive versus OnPath Mobile: the parameters behind the verdict, then further details
ParameterReferLiveOnPath Mobile
PriceFreeFree
Rating3.3 (6 ratings)4.9 (18K ratings) — better
Positive reviews0.0% of reviews84.1% of reviews — better
Number of ratings618K — better
Update frequencyEvery 5 monthsEvery 5 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPodiPhone, iPad
Requires iOS8.0 — better16.0
Further details — not scored
Size14 MB128 MB
Age rating4+4+
DeveloperCustomerStream IncOnPath Federal Credit Union

Customer experience

ReferLive

All ratings6 ratings
Positive50.0%
Neutral16.7%
Negative33.3%
Written reviews4 reviews
Positive0.0%
Neutral25.0%
Negative75.0%

OnPath Mobile

All ratings17,833 ratings
Positive97.2%
Neutral1.9%
Negative0.9%
Written reviews113 reviews
Positive84.1%
Neutral6.2%
Negative9.7%

Bugs and requests

ReferLive

Not enough reviews yet to summarise bugs or requests.

OnPath Mobile

Reported bugs

2 issues
  • App crashes on iPhone 6 and newer models
  • Inconsistent account balance display between app and website

Requested features

3 requests
  • Ability to lock/unlock debit card from the app
  • Integration with cryptocurrency accounts
  • More detailed transaction history and budgeting tools

In-app purchases

None

ReferLive

No in-app purchases

None

OnPath Mobile

No in-app purchases

Questions

Is ReferLive free?
ReferLive is free to download, with no in-app purchases.
Is OnPath Mobile free?
OnPath Mobile is free to download, with no in-app purchases.
Which has better reviews, ReferLive or OnPath Mobile?
OnPath Mobile is rated higher. ReferLive averages 3.3 out of 5 from 6 ratings, while OnPath Mobile averages 4.9 from 18K ratings.
Do ReferLive or OnPath Mobile have ads?
Neither ReferLive nor OnPath Mobile shows ads.
Which is updated more often, ReferLive or OnPath Mobile?
ReferLive ships an update every 5 months, and OnPath Mobile every 5 weeks. Most recently, ReferLive was updated on September 25, 2026 and OnPath Mobile on October 17, 2026.

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