# PEPPER vs LAYA

The clearest difference is review sentiment: LAYA at 100% against PEPPER's 20%. LAYA also leads on ads (none vs shown) and rating (4.9 vs 4.5). PEPPER's advantage is ratings volume (485 vs 13). On price, update cadence, 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.

LAYA holds the better App Store score, 4.9 against 4.5. That said, the two scores are not equally well evidenced: PEPPER has 485 ratings behind it against 13, 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 100% of LAYA's.

PEPPER ships an update every 2 weeks, LAYA weekly. The most recent releases landed on October 17, 2026 and October 10, 2026 respectively.

## The numbers

| Metric | PEPPER | LAYA |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.5 (485 ratings)](https://appshunter.io/ios/app/pepper-mobile-banking/id1138799805/reviews) | **[4.9 (13 ratings)](https://appshunter.io/ios/app/laya/id6449288260/reviews)** |
| Number of ratings | **485** | 13 |
| Positive reviews | 19.7% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 2 weeks | **Weekly** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 309 MB | 189 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) | [Laya](https://appshunter.io/developer/1677395264) |

## 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


### LAYA

[App page](https://appshunter.io/ios/app/laya/id6449288260)

This digital wallet simplifies international payments with zero currency exchange fees and real-time exchange rates. It offers secure transactions, smart group expense splitting, and direct currency purchases within the app, all managed through a user-friendly Hebrew interface.

**Highlights:** Zero currency exchange fees, Real-time exchange rates, Smart group expense splitting, Secure digital and physical card, Direct currency purchase in-app, Hebrew interface and customer support

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is PEPPER free?

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

### Is LAYA free?

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

### Which has better reviews, PEPPER or LAYA?

LAYA is rated higher. PEPPER averages 4.5 out of 5 from 485 ratings, while LAYA averages 4.9 from 13 ratings.

### Do PEPPER or LAYA have ads?

PEPPER shows ads; LAYA does not.

### Which is updated more often, PEPPER or LAYA?

PEPPER ships an update every 2 weeks, and LAYA weekly. Most recently, PEPPER was updated on October 17, 2026 and LAYA on October 10, 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.*