# Beyond Bank vs the cap app

The clearest difference is review sentiment: Beyond Bank at 90% against the cap app's 50%. the cap app's advantage is iOS requirement (13.0 vs 15.0). On price, update cadence, ads and in-app purchases there is nothing between them.

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

Beyond Bank ships an update every 3 months, the cap app every 5 months. The most recent releases landed on November 2, 2026 and October 18, 2026 respectively.

## The numbers

| Metric | Beyond Bank | the cap app |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (9 ratings)](https://appshunter.io/ios/app/beyond-bank/id1055826405/reviews)** | — |
| Number of ratings | **9** | — |
| Positive reviews | **89.8% of reviews** | 50.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 months** | Every 5 months |
| Monetization | Free | Free |
| Size | 166 MB | 108 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | **iPhone, iPad, iPod, Apple Watch** | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Beyond Bank Australia Ltd](https://appshunter.io/developer/600315424) | [The Capricornian Ltd](https://appshunter.io/developer/1104047902) |

## What reviewers say

### Beyond Bank

[App page](https://appshunter.io/ios/app/beyond-bank/id1055826405)

Manage your finances securely and conveniently on the go. This banking app allows you to easily view accounts, make payments, track spending, and manage your cards. Enjoy personalized features and grow your savings with innovative tools.

**Highlights:** Manage accounts and cards, Create and schedule payments, Use PayID for instant transfers, Biometric login (Face ID, Touch ID), Track spending and transactions, Round2save feature for savings, Notify travel plans for security

**Features:** macOS Compatibility, Siri integration, Apple Wallet, Apple Watch app, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Intuitive and straightforward navigation
- 🔒 Secure banking experience
- 💡 Helpful customer service
- 🚀 Quick and efficient transactions

**What reviewers complain about**

- 🐛 Occasional login issues or app crashes
- 🔍 Limited customization options
- 🔍 Lack of advanced features (e.g., spending tracker)
- 🐛 Inconsistent app performance across devices
- 🔍 Difficulty finding certain functions or settings

**Reported bugs**

- Delayed transaction updates or missing transactions
- Unexpected errors or app crashes during use
- Issues with login or account access on new devices
- Compatibility problems with certain mobile operating systems

**Requested features**

- Spending tracker or budgeting tools
- Customizable app interface and settings
- Improved notification system for transactions
- Better integration with other financial apps or services
- Ability to view mortgage offset account details


### the cap app

[App page](https://appshunter.io/ios/app/the-cap-app/id1104047903)

Manage your finances securely and conveniently. Check balances, view transactions, transfer funds, and pay bills anytime, anywhere. This banking app offers a safe platform for all your financial needs.

**Highlights:** Secure financial management, Check account balances, View latest transactions, Transfer funds, Pay bills

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Beyond Bank free?

Beyond Bank is free to download, with no in-app purchases.

### Is the cap app free?

the cap app is free to download, with no in-app purchases.

### Do Beyond Bank or the cap app have ads?

Neither Beyond Bank nor the cap app shows ads.

### Which is updated more often, Beyond Bank or the cap app?

Beyond Bank ships an update every 3 months, and the cap app every 5 months. Most recently, Beyond Bank was updated on November 2, 2026 and the cap app on October 18, 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.*