VOW vs INC.C Payments
Price, ratings, monetisation and update history for both apps, side by side ā with what reviewers say about each.
VOW
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VOW's new app is the exciting and easy way for you to access your accounts in real time and on-the-go! Smarter features include: ā¢ 4-digit login, or TouchID (on compatible devices) for even faster access to your accounts ā¢ View the balances of accounts you choose without needing to log in ā¢ Real time balances and transaction records for each of your supported Mortgage VOW accounts ā¢ Find nearby rediATMs ā¢ Immediate payments to BPAY Billers and Funds Transfer payees, or set up someone new from within the app ā¢ Easily retrieve account information ā¢ Added security with real time notifications whenever a transaction is processed ā¢ Temporarily block your credit or debit card, giving you peace of mind if you leave your card behind ā¢ Activate and change the PIN for your debit and credit cards inside the app (please note this feature is currently only available for some customers) * For further details about the VOW app, please contact us on 1300 730 050 The app requests the following permissions: ā¢ Push notifications: Receive push notifications for transactions and activity on your account. ā¢ Location services: Find nearby ATMs
INC.C Payments
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Empower your business by giving your customers and/or staff a prepaid card. INC.C Mastercard can be spent everywhere Mastercard is accepted. Download the INC.C App to activate your card, track spending, lock cards or cancel them. Load your card to your virtual wallet for convenient spending at your fingertips.
Screenshots
Verdict
VOW and INC.C Payments are too close to call on the numbers: across 6 compared parameters ā price, update cadence, ads and in-app purchases among them ā neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.
Scored on Price Ā· Rating Ā· Positive reviews Ā· Number of ratings Ā· Update frequency Ā· Ads Ā· In-app purchases Ā· Monetization Ā· Best chart rank Ā· Devices Ā· Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
VOW ships an update every 3 months, INC.C Payments every 6 months. The most recent releases landed on September 8, 2026 and September 10, 2026 respectively.
| Parameter | VOW | INC.C Payments |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 3 months ā better | Every 6 months |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone, iPad, iPod ā better | iPhone, iPod |
| Requires iOS | 12.0 ā better | 13.0 |
| Further details ā not scored | ||
| Size | 143 MB | 55 MB |
| Age rating | 4+ | 4+ |
| Developer | Macquarie Bank Limited | IN.C.C Payments Pty Ltd |
In-app purchases
VOW
No in-app purchases
INC.C Payments
No in-app purchases
