# Apple Wallet vs OnePay

The clearest difference is update cadence: OnePay at every 6 days against Apple Wallet's every 3 months. OnePay also leads on chart position (#9 vs unranked). Apple Wallet's advantage is monetization model (free vs free with in-app purchases) and ratings volume (7.5M vs 483K). On price, rating, review sentiment and ads there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.8 for Apple Wallet against 4.9 for OnePay. That said, the two scores are not equally well evidenced: Apple Wallet has 7.5M ratings behind it against 483K, so its average is the more settled of the two. Written reviews are what separate them: 54% of Apple Wallet's written reviews are positive against 61% of OnePay's.

Apple Wallet ships an update every 3 months, OnePay every 6 days. Both last shipped on November 1, 2026.

## The numbers

| Metric | Apple Wallet | OnePay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (7.5M ratings)](https://appshunter.io/ios/app/apple-wallet/id1160481993/reviews) | **[4.9 (483K ratings)](https://appshunter.io/ios/app/onepay-mobile-banking/id1494523953/reviews)** |
| Number of ratings | **7.5M** | 483K |
| Positive reviews | 53.9% of reviews | **61.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 6 days** |
| Monetization | **Free** | Free with in-app purchases |
| Best chart rank | — | **#9** |
| Size | 9 MB | 187 MB |
| Requires iOS | **10.0** | 16.4 |
| Devices | **iPhone, iPod, Apple Watch** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Apple](https://appshunter.io/developer/284417353) | [One Finance, Inc.](https://appshunter.io/developer/1477126814) |

## What reviewers say

### Apple Wallet

[App page](https://appshunter.io/ios/app/apple-wallet/id1160481993)

Securely store and manage digital versions of your credit/debit cards, IDs, transit passes, tickets, and keys. Use it to make payments, send money, and access venues and transportation with your iPhone or Apple Watch.

**Highlights:** Store credit/debit cards, Digital driver's license/state ID, Transit and event tickets, Digital keys for car, home, hotel, Secure contactless payments, Send and receive money

**Features:** Apple Watch app

**In-app purchases:** none

**What reviewers like**

- 🚀 Convenient and easy to use
- 🔒 Secure with Face ID/Touch ID
- 💳 Integrates credit/debit cards well
- 🎟️ Stores tickets and passes
- 🏠 Stores digital keys and IDs

**What reviewers complain about**

- 🚫 Limited ability to add loyalty/membership cards
- 🤔 Inconsistent card detection and adding
- 💰 Unauthorized charges and payment issues
- 🔍 Lack of customization options (nicknames, images)
- 🇨🇦 Limited support for Canadian features

**Reported bugs**

- Card adding/removal issues
- Transactions not properly recorded
- Face ID/Touch ID failures
- Wallet app freezing or not responding

**Requested features**

- Add ability to add loyalty/membership cards
- Improve card detection and adding process
- Provide better transaction history and categorization
- Allow customization of card names and images
- Expand support for international features (e.g. Presto card)


### OnePay

[App page](https://appshunter.io/ios/app/onepay-mobile-banking/id1494523953)

**Currently charting:** #9 Top Free · Finance, #126 Top Free (US App Store)

Manage your finances with a mobile banking solution offering early pay, rewards, and high-yield savings. Access a cash rewards credit card, affordable wireless plans, and a credit builder loan. Buy now, pay later options are also available.

**Highlights:** Early pay and rewards, High-yield savings accounts, Cash back credit card, Affordable wireless plans, Credit builder loan, Buy now, pay later

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Efficient banking features
- 🔒 Secure transactions
- 👍 Intuitive user interface
- 💡 Useful budgeting tools
- 🤑 Generous cash back and rewards

**What reviewers complain about**

- 🐛 Unreliable app performance
- 🤯 Frustrating account changes
- 🤔 Lack of transparency
- 🙅‍♀️ Poor customer service
- 💸 Unexpected fees and charges

**Reported bugs**

- Frequent app crashes
- Delayed transaction updates
- Issues with account access
- Incorrect account balances

**Requested features**

- Mobile check deposit
- Instant fund transfers
- More customization options
- Improved transaction search
- Joint account management


## Frequently asked questions

### Is Apple Wallet free?

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

### Is OnePay free?

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

### Which has better reviews, Apple Wallet or OnePay?

OnePay is rated higher. Apple Wallet averages 4.8 out of 5 from 7.5M ratings, while OnePay averages 4.9 from 483K ratings.

### Do Apple Wallet or OnePay have ads?

Neither Apple Wallet nor OnePay shows ads.

### Which is updated more often, Apple Wallet or OnePay?

Apple Wallet ships an update every 3 months, and OnePay every 6 days. Most recently, Apple Wallet was updated on November 1, 2026 and OnePay on November 1, 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.*