# ReferLive vs OnPath Mobile

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.

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

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.

ReferLive ships an update every 5 months, OnPath Mobile every 5 weeks. The most recent releases landed on September 25, 2026 and October 21, 2026 respectively.

## The numbers

| Metric | ReferLive | OnPath Mobile |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.3 (6 ratings)](https://appshunter.io/ios/app/referlive/id1023364219/reviews) | **[4.9 (18K ratings)](https://appshunter.io/ios/app/onpath-mobile/id1159014990/reviews)** |
| Number of ratings | 6 | **18K** |
| Positive reviews | 0.0% of reviews | **84.1% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Every 5 weeks** |
| Monetization | **Free** | Ad-supported |
| Size | 14 MB | 128 MB |
| Requires iOS | **8.0** | 16.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [CustomerStream Inc](https://appshunter.io/developer/1023364218) | [OnPath Federal Credit Union](https://appshunter.io/developer/868954867) |

## What reviewers say

### ReferLive

[App page](https://appshunter.io/ios/app/referlive/id1023364219)

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:** macOS Compatibility

**In-app purchases:** none


### OnPath Mobile

[App page](https://appshunter.io/ios/app/onpath-mobile/id1159014990)

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:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Convenient online banking
- 🚀 Easy access and quick transactions
- 💳 Reliable and secure
- 🤑 Early payroll deposit
- 🏆 Excellent customer service

**What reviewers complain about**

- 🐛 App crashes and compatibility issues
- 💰 Fees for account transfers
- 🕰️ Delayed transaction updates
- 🔒 Difficulty managing accounts and cards

**Reported bugs**

- App crashes on iPhone 6 and newer models
- Inconsistent account balance display between app and website

**Requested features**

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


## Frequently asked 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 21, 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.*