# ALAT vs OnePay

The clearest difference is rating: OnePay at 4.9 against ALAT's 3.6. OnePay also leads on review sentiment (61% vs 28%) and update cadence (every 6 days vs every 6 weeks). ALAT's advantage is monetization model (free vs free with in-app purchases). On price, ads, 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.

OnePay holds the better App Store score, 4.9 against 3.6. That said, the two scores are not equally well evidenced: OnePay has 480K ratings behind it against 2.5K, so its average is the more settled of the two. Written reviews point the same way: 28% of ALAT's written reviews are positive against 61% of OnePay's.

ALAT ships an update every 6 weeks, OnePay every 6 days. The most recent releases landed on October 26, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | ALAT | OnePay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.6 (2.5K ratings)](https://appshunter.io/ios/app/alat/id1222853161/reviews) | **[4.9 (480K ratings)](https://appshunter.io/ios/app/onepay-mobile-banking/id1494523953/reviews)** |
| Number of ratings | 2.5K | **480K** |
| Positive reviews | 27.8% of reviews | **61.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Every 6 days** |
| Monetization | **Free** | Free with in-app purchases |
| Best chart rank | — | **#7** |
| Size | 232 MB | 187 MB |
| Requires iOS | **15.0** | 16.4 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Wema Bank Plc](https://appshunter.io/developer/980671301) | [One Finance, Inc.](https://appshunter.io/developer/1477126814) |

## What reviewers say

### ALAT

[App page](https://appshunter.io/ios/app/alat/id1222853161)

This digital banking app offers a comprehensive suite of financial services, including bill payments, money transfers, savings options, and access to loans and insurance. It provides secure login, transaction tracking, and card management features for a seamless banking experience.

**Highlights:** Digital banking services, Bill payments and scheduling, Local and international money transfers, Personal and group savings, Access to loans and insurance, Card management and security, Travel bookings and deals

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and reliable
- 👍 User-friendly interface
- 💡 Innovative features
- 🔒 Secure banking

**What reviewers complain about**

- 🐛 Frequent app crashes
- 🔍 Poor customer service
- 💰 High transaction fees
- ⚠️ Unreliable app performance

**Reported bugs**

- Login issues after app updates
- Inability to create transaction PIN
- Debit card activation problems
- Funds not reflecting in account

**Requested features**

- Facial recognition login
- Improved transaction history
- Ability to hide account balance
- Seamless integration with other bank accounts


### OnePay

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

**Currently charting:** #7 Top Free · Finance, #82 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 ALAT free?

ALAT 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, ALAT or OnePay?

OnePay is rated higher. ALAT averages 3.6 out of 5 from 2.5K ratings, while OnePay averages 4.9 from 480K ratings.

### Do ALAT or OnePay have ads?

Neither ALAT nor OnePay shows ads.

### Which is updated more often, ALAT or OnePay?

ALAT ships an update every 6 weeks, and OnePay every 6 days. Most recently, ALAT was updated on October 26, 2026 and OnePay on October 28, 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.*