# Permata ME vs ASTRAPAY

The clearest difference is rating: ASTRAPAY at 4.0 against Permata ME's 3.1. ASTRAPAY also leads on monetization model (free vs free with in-app purchases) and review sentiment (38% vs 19%). Permata ME's advantage is ratings volume (77 vs 4). 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.

ASTRAPAY holds the better App Store score, 4.0 against 3.1. That said, the two scores are not equally well evidenced: Permata ME has 77 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 19% of Permata ME's written reviews are positive against 38% of ASTRAPAY's.

Both ship on a similar rhythm, roughly fortnightly. The most recent releases landed on September 17, 2026 and September 16, 2026 respectively.

## The numbers

| Metric | Permata ME | ASTRAPAY |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.1 (77 ratings)](https://appshunter.io/ios/app/permata-me/id1323973644/reviews) | **[4.0 (4 ratings)](https://appshunter.io/ios/app/astrapay/id1487585085/reviews)** |
| Number of ratings | **77** | 4 |
| Positive reviews | 18.6% of reviews | **37.9% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Fortnightly | Fortnightly |
| Monetization | Free with in-app purchases | **Free** |
| Size | 261 MB | 136 MB |
| Requires iOS | 15.1 | **13.6** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [PT. Bank Permata, Tbk](https://appshunter.io/developer/514474576) | [ASTRA DIGITAL ARTA, PT](https://appshunter.io/developer/1487585084) |

## What reviewers say

### Permata ME

[App page](https://appshunter.io/ios/app/permata-me/id1323973644)

This mobile banking app offers a comprehensive suite of digital banking services. It simplifies transactions with features like free transfers, rewards, international payments, and QR code payments. Manage accounts, apply for loans, and access statements all from your smartphone.

**Highlights:** Free transfers with BI-FAST, Collect and redeem PermataPoin rewards, International transfers and forex, QRIS payments, Account opening for foreigners, Loan applications, Transaction history and statements

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

**In-app purchases:** none


### ASTRAPAY

[App page](https://appshunter.io/ios/app/astrapay/id1487585085)

This digital payment solution simplifies daily transactions for bills, transportation, and daily needs. It offers convenient QRIS payments, bill settlements for various services, and easy top-ups. Earn rewards and transfer funds seamlessly.

**Highlights:** QRIS payments, Bill and service payments, Transportation payments, Top-up options, Fund transfers, AstraPoints rewards

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Permata ME free?

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

### Is ASTRAPAY free?

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

### Which has better reviews, Permata ME or ASTRAPAY?

ASTRAPAY is rated higher. Permata ME averages 3.1 out of 5 from 77 ratings, while ASTRAPAY averages 4.0 from 4 ratings.

### Do Permata ME or ASTRAPAY have ads?

Neither Permata ME nor ASTRAPAY shows ads.

### Which is updated more often, Permata ME or ASTRAPAY?

Permata ME ships an update fortnightly, and ASTRAPAY fortnightly. Most recently, Permata ME was updated on September 17, 2026 and ASTRAPAY on September 16, 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.*