# Token Open Banking vs PayControl

The clearest difference is rating: PayControl at 5.0 against Token Open Banking's 4.0. PayControl also leads on ratings volume (83 vs 1) and review sentiment (38% vs 23%). Token Open Banking's advantage is iOS requirement (9.1 vs 13.0). 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.

PayControl holds the better App Store score, 5.0 against 4.0. That said, the two scores are not equally well evidenced: PayControl has 83 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 23% of Token Open Banking's written reviews are positive against 38% of PayControl's.

Token Open Banking ships an update monthly, PayControl every 5 weeks. The most recent releases landed on June 5, 2026 and September 26, 2026 respectively.

## The numbers

| Metric | Token Open Banking | PayControl |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.0 (1 ratings)](https://appshunter.io/ios/app/token-open-banking/id1140442537/reviews) | **[5.0 (83 ratings)](https://appshunter.io/ios/app/paycontrol/id1473018742/reviews)** |
| Number of ratings | 1 | **83** |
| Positive reviews | 22.7% of reviews | **38.1% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 5 weeks |
| Monetization | Free | Free |
| Size | 86 MB | 32 MB |
| Requires iOS | **9.1** | 13.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [TOKEN, INC.](https://appshunter.io/developer/975735723) | [SafeTech Ltd](https://appshunter.io/developer/673686935) |

## What reviewers say

### Token Open Banking

[App page](https://appshunter.io/ios/app/token-open-banking/id1140442537)

Manage your bank-direct payments and financial permissions from a single platform. Create a secure identity, link bank accounts, and authorize third parties to access your financial data. Two-factor authentication ensures you remain in control of your transactions and permissions.

**Highlights:** Create a Token alias for identity, Link multiple bank accounts, Make bank-direct payments, Share account information securely, Manage permissions and transactions, Two-factor authorization for security

**Features:** macOS Compatibility

**In-app purchases:** none


### PayControl

[App page](https://appshunter.io/ios/app/paycontrol/id1473018742)

Securely sign transactions and documents directly from your smartphone without needing hardware tokens or SMS codes. This app offers offline functionality and robust protection against unauthorized access, ensuring the integrity of your operations.

**Highlights:** Mobile e-signature generation, Offline mode functionality, Unauthorized access risk protection, Full transaction details before signing, No SMS or PUSH notifications used

**Features:** Apple Watch app, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Token Open Banking free?

Token Open Banking is free to download, with no in-app purchases.

### Is PayControl free?

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

### Which has better reviews, Token Open Banking or PayControl?

PayControl is rated higher. Token Open Banking averages 4.0 out of 5 from 1 ratings, while PayControl averages 5.0 from 83 ratings.

### Do Token Open Banking or PayControl have ads?

Neither Token Open Banking nor PayControl shows ads.

### Which is updated more often, Token Open Banking or PayControl?

Token Open Banking ships an update monthly, and PayControl every 5 weeks. Most recently, Token Open Banking was updated on June 5, 2026 and PayControl on September 26, 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.*