# Wink vs Emma Pay

The clearest difference is rating: Emma Pay at 4.9 against Wink's 4.3. Emma Pay also leads on monetization model (free vs free with in-app purchases) and ratings volume (36 vs 12). Wink's advantage is device support (3 vs 1). 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.

Emma Pay holds the better App Store score, 4.9 against 4.3. Both are backed by a comparable volume of ratings — 12 and 36 respectively.

Wink ships an update every 4 weeks, Emma Pay monthly. The most recent releases landed on August 10, 2026 and September 17, 2026 respectively.

## The numbers

| Metric | Wink | Emma Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.3 (12 ratings)](https://appshunter.io/ios/app/wink/id1302316965/reviews) | **[4.9 (36 ratings)](https://appshunter.io/ios/app/emma-pay/id1455374257/reviews)** |
| Number of ratings | 12 | **36** |
| Positive reviews | 44.4% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 4 weeks** | Monthly |
| Monetization | Free with in-app purchases | **Free** |
| Size | 145 MB | 64 MB |
| Requires iOS | **15.1** | 16.4 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Coopenae RL](https://appshunter.io/developer/1474154065) | [Union Comercial De Costa Rica Unicomer](https://appshunter.io/developer/897263091) |

## What reviewers say

### Wink

[App page](https://appshunter.io/ios/app/wink/id1302316965)

Manage your finances with real-time notifications, simple transfers, and automated savings. Track spending by category and control your card directly from the app, including blocking and reordering. Funds are securely managed through a trusted financial entity.

**Highlights:** Account setup in 5 minutes, Real-time balance notifications, Simple transfers and payments, Categorized spending reports, Card control (block/unblock), Automated savings and budgeting

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none


### Emma Pay

[App page](https://appshunter.io/ios/app/emma-pay/id1455374257)

This application provides users with credit lines for easy and secure purchases. It simplifies the process of buying goods with available credit.

**Highlights:** Credit lines for purchases, Easy buying process, Secure transactions, Mobile purchasing

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Wink free?

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

### Is Emma Pay free?

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

### Which has better reviews, Wink or Emma Pay?

Emma Pay is rated higher. Wink averages 4.3 out of 5 from 12 ratings, while Emma Pay averages 4.9 from 36 ratings.

### Do Wink or Emma Pay have ads?

Neither Wink nor Emma Pay shows ads.

### Which is updated more often, Wink or Emma Pay?

Wink ships an update every 4 weeks, and Emma Pay monthly. Most recently, Wink was updated on August 10, 2026 and Emma Pay on September 17, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*