# PEPPER vs ONE ZERO

The clearest difference is rating: PEPPER at 4.5 against ONE ZERO's 3.0. PEPPER also leads on ratings volume (485 vs 61) and review sentiment (20% vs 10%). ONE ZERO's advantage is ads (none vs shown). On price, update cadence, in-app purchases and monetization model there is nothing between them.

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

PEPPER holds the better App Store score, 4.5 against 3.0. That said, the two scores are not equally well evidenced: PEPPER has 485 ratings behind it against 61, so its average is the more settled of the two. Written reviews point the same way: 20% of PEPPER's written reviews are positive against 10% of ONE ZERO's.

PEPPER ships an update every 10 days, ONE ZERO every 2 weeks. The most recent releases landed on September 29, 2026 and October 2, 2026 respectively.

## The numbers

| Metric | PEPPER | ONE ZERO |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (485 ratings)](https://appshunter.io/ios/app/pepper-mobile-banking/id1138799805/reviews)** | [3.0 (61 ratings)](https://appshunter.io/ios/app/one-zero/id1554109300/reviews) |
| Number of ratings | **485** | 61 |
| Positive reviews | **19.7% of reviews** | 10.4% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Every 10 days** | Every 2 weeks |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 304 MB | 273 MB |
| Requires iOS | 15.1 | **15.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Bank Leumi Ltd](https://appshunter.io/developer/337963195) | [ONE ZERO Digital Bank LTD](https://appshunter.io/developer/1522256484) |

## What reviewers say

### PEPPER

[App page](https://appshunter.io/ios/app/pepper-mobile-banking/id1138799805)

A modern mobile banking app offering a full range of financial services, including account management, money transfers, and check deposits. It features a budget management tool with insights and 24/6 chat support for easy financial management.

**Highlights:** All account types (checking, foreign currency, joint, savings, loans, investments), Money transfers and check deposits, Credit and Debit card ordering, Budget management tools, Financial insights and visualizations, 24/6 chat support

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and efficient
- 👍 User-friendly design
- 💡 Useful new features like joint accounts

**What reviewers complain about**

- 🐛 Bugs and crashes
- ⏱️ Slow customer support response times
- 🔍 Lack of transparency in fees and charges

**Reported bugs**

- App freezes on video call screen
- Notification settings not saving properly
- Inconsistent account balance display

**Requested features**

- Ability to upload ID photos for verification
- International money transfer capabilities
- Business account option


### ONE ZERO

[App page](https://appshunter.io/ios/app/one-zero/id1554109300)

This digital bank offers accounts with no maintenance fees and unique benefits designed to save users thousands annually. Enjoy high-interest deposits, fee-free foreign currency transactions, and investment opportunities. Manage all your accounts and cards in one place with AI-powered insights and expert support.

**Highlights:** No maintenance fees, High-interest deposits, Fee-free foreign currency transactions, Investment opportunities, Consolidated account management, AI-powered financial insights, 24/7 expert support

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Intuitive and efficient app
- 👍 Bank is good and advanced
- 👍 No unnecessary fees
- 👍 Well-structured package deals

**What reviewers complain about**

- ❌ No English language option
- ❌ Slow and unhelpful support
- ❌ Impossible to transfer money to oneself
- ❌ Annoying promotional notifications
- ❌ Stuck in registration loop

**Reported bugs**

- Stuck in registration loop
- App is often stuck
- App crashes
- Voice verification not working
- Document scanning errors

**Requested features**

- Add English language option
- Improve AI helper
- Add dark mode
- Add iPad version
- Option to provide feedback within the app


## Frequently asked questions

### Is PEPPER free?

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

### Is ONE ZERO free?

ONE ZERO is free to download, with no in-app purchases.

### Which has better reviews, PEPPER or ONE ZERO?

PEPPER is rated higher. PEPPER averages 4.5 out of 5 from 485 ratings, while ONE ZERO averages 3.0 from 61 ratings.

### Do PEPPER or ONE ZERO have ads?

PEPPER shows ads; ONE ZERO does not.

### Which is updated more often, PEPPER or ONE ZERO?

PEPPER ships an update every 10 days, and ONE ZERO every 2 weeks. Most recently, PEPPER was updated on September 29, 2026 and ONE ZERO on October 2, 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.*