complete Control vs RaiPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
complete Control
Manage your credit card accounts securely and conveniently. Confirm online payments with biometric authentication, receive real-time transaction notifications, and access self-service options for account management. Stay informed about your spending and explore exclusive offers.
- Biometric payment confirmation
- Real-time transaction alerts
- Online account management
- Transaction history overview
- Exclusive partner offers
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• Online Payments: Confirm your online payments easy and secure just with your fingerprint or Face ID. • Real Time notifications: After each card usage, you will immediately get a push notification with all the transaction details – you always stay in control. • Self Service: Would you like to update your details, receive your account statements by e-mail, change your Secure Code, or register a new phone number for receiving mobileTANs? You can manage all these services and many more at any time in the complete Control Self Service area. • Transaction inquiries: Do you want to keep an eye on your spending? complete Control provides you an overview of all your cards and transactions at any time, from anywhere. • complete World: The complete World offers you not only tried-and-tested products at the card complete special price, but also numerous exclusive offers from our partners in the hotel, culture and lifestyle sectors, as well as lots of new and interesting things.
RaiPay
Manage your digital debit and credit cards from multiple banks. Send money to other Austrian cardholders and keep all your customer loyalty cards in one place for easy access.
- Digital card display
- Send money person-to-person
- Digital customer and loyalty cards
- View online merchant connections
- View subscription service connections
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Mit RaiPay alle digitalen Karten immer dabei- Nutzen Sie mit RaiPay all Ihre Debit- und RBI-Kreditkarten von Raiffeisen, HYPO Oberösterreich und HYPO Salzburg, um Geld von Person zu Person zu senden und Ihre digitalen Karten immer im Blick zu behalten. Die RaiPay-Funktionen im Überblick: Geld von Person zu Person senden Nie wieder „Ich geb´s dir später!“ Mit dieser Funktion senden Sie schnell und bequem Geld an eine gewünschte österreichische Empfängerkarte (Debit- und/oder Kreditkarte). Fügen Sie beim ersten Mal die Empfängerkarte hinzu und geben Sie den Namen ein. Schon ist alles für das nächste Mal gespeichert. Es ist keine Registrierung des Zahlungsempfängers nötig. Digitale Kartenanzeige RaiPay bietet Ihnen eine einfache und klare Übersicht all Ihrer digitalen Karten in Bezahlwallets und Verbindungen zu Online-Händlern oder Abo-Diensten. Diese können direkt in der App angezeigt werden. Digitale Kunden- und Vorteilskarten nutzen Mit der Loyalty-Funktion haben Sie all Ihre Kundenkarten jederzeit in RaiPay verfügbar. Scannen Sie zum Digitalisieren die physische Kundenkarte oder tippen Sie die Nummer des Barcodes ein.
Screenshots
Verdict
The clearest difference is rating: complete Control at 4.7 against RaiPay's 3.0. complete Control also leads on ratings volume (164 vs 2) and iOS requirement (12.0 vs 17.0). RaiPay's advantage is review sentiment (36% vs 22%). On price, update cadence, ads and in-app purchases 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
complete Control holds the better App Store score, 4.7 against 3.0. That said, the two scores are not equally well evidenced: complete Control has 164 ratings behind it against 2, so its average is the more settled of the two. Written reviews complicate that: 22% of complete Control's written reviews are positive against 36% of RaiPay's, so the app with the better star average is not the one people write more warmly about.
Both ship on a similar rhythm, roughly every 4 months. The most recent releases landed on October 13, 2026 and September 29, 2026 respectively.
| Parameter | complete Control | RaiPay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (164 ratings) — better | 3.0 (2 ratings) |
| Positive reviews | 22.2% of reviews | 36.4% of reviews — better |
| Number of ratings | 164 — better | 2 |
| Update frequency | Every 4 months | Every 4 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 12.0 — better | 17.0 |
| Further details — not scored | ||
| Size | 202 MB | 88 MB |
| Age rating | 4+ | 12+ |
| Developer | card complete Service Bank AG | Raiffeisen e-force GmbH |
Customer experience
complete Control
RaiPay
In-app purchases
complete Control
No in-app purchases
RaiPay
No in-app purchases
Questions
Is complete Control free?
Is RaiPay free?
Which has better reviews, complete Control or RaiPay?
Do complete Control or RaiPay have ads?
Which is updated more often, complete Control or RaiPay?
Other comparisons
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