# Xpress Bill Pay vs FSB Watonga

The clearest difference is rating: Xpress Bill Pay at 4.8 against FSB Watonga's 3.8. Xpress Bill Pay also leads on ratings volume (28K vs 11) and iOS requirement (12.2 vs 15.6). 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.

Xpress Bill Pay holds the better App Store score, 4.8 against 3.8. That said, the two scores are not equally well evidenced: Xpress Bill Pay has 28K ratings behind it against 11, so its average is the more settled of the two.

Xpress Bill Pay ships an update every 6 weeks, FSB Watonga monthly. The most recent releases landed on November 8, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | Xpress Bill Pay | FSB Watonga |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (28K ratings)](https://appshunter.io/ios/app/xpress-bill-pay/id1324958503/reviews)** | [3.8 (11 ratings)](https://appshunter.io/ios/app/fsb-watonga/id6743093714/reviews) |
| Number of ratings | **28K** | 11 |
| Positive reviews | 46.3% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Monthly** |
| Monetization | Free | Free |
| Size | 91 MB | 42 MB |
| Requires iOS | **12.2** | 15.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Xpress Solutions Inc.](https://appshunter.io/developer/1041568229) | [First State Bank Watonga](https://appshunter.io/developer/1215824010) |

## What reviewers say

### Xpress Bill Pay

[App page](https://appshunter.io/ios/app/xpress-bill-pay/id1324958503)

This app allows users to pay bills quickly and securely through partnerships with local city and billing organizations. It simplifies the payment process by letting you select your provider, look up your account, and set up auto-pay. Receive real-time alerts and pay using various methods.

**Highlights:** Quick and secure bill payments, Partnerships with local billing organizations, Auto-pay functionality, Up-to-the-minute account alerts, Payment via credit/debit card or bank account

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

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Convenient bill payment
- 💡 Helpful features like paperless statements
- 👍 User-friendly app
- 👍 Quick and easy to pay bills

**What reviewers complain about**

- 🐛 Update loop issues
- 🐛 App not working after updates
- 🐛 Routing number/payment issues
- 🐛 Inability to make multiple payments at once
- 🐛 Incompatibility with certain payment methods

**Reported bugs**

- Update loop causing login issues
- App crashing on launch
- Payment method validation problems
- Scheduled payments not showing up

**Requested features**

- Ability to schedule payments
- Option to pay multiple bills at once
- More detailed bill information
- Touch ID/biometric login support
- Improved dark mode compatibility


### FSB Watonga

[App page](https://appshunter.io/ios/app/fsb-watonga/id6743093714)

Manage your bank accounts conveniently from your mobile device. This free application offers secure and fast access to check balances and transfer funds with ease. Start banking on the go using your existing internet banking credentials.

**Highlights:** Bank on the go, Manage bank accounts, Check balances, Transfer money, Secure access, Fast performance

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

**In-app purchases:** none


## Frequently asked questions

### Is Xpress Bill Pay free?

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

### Is FSB Watonga free?

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

### Which has better reviews, Xpress Bill Pay or FSB Watonga?

Xpress Bill Pay is rated higher. Xpress Bill Pay averages 4.8 out of 5 from 28K ratings, while FSB Watonga averages 3.8 from 11 ratings.

### Do Xpress Bill Pay or FSB Watonga have ads?

Neither Xpress Bill Pay nor FSB Watonga shows ads.

### Which is updated more often, Xpress Bill Pay or FSB Watonga?

Xpress Bill Pay ships an update every 6 weeks, and FSB Watonga monthly. Most recently, Xpress Bill Pay was updated on November 8, 2026 and FSB Watonga on October 30, 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.*