Comparison

Up vs payc

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Up

This app simplifies personal finance management, offering tools for budgeting, saving, and managing money with friends. It provides features for international travel and offers quick support from real people.

Highlights
  • Budget control
  • Savings goals
  • Bill splitting
  • International travel tools
  • In-app support
  • Group finances
Features
Read full description

Simplify Money, Amplify Life. Up is designed to make money easy for everyone. Open an account in minutes and join over 1,000,000 Australians experiencing the financial control of Up. * Put your budget on cruise control. Say goodbye to nasty surprises, know where every buck goes and how much you can spend. * Map out Savers for the things you want and need. Up has the tools to make filling them up a breeze. The only winner in this game is you. * Money with mates just got easy. Slice bills and request cash from your mates (we'll handle the reminders). Send money with a chat and a gif. Ready to go multiplayer? Fight finances in co-op mode with 2Up. * We've got your back no matter where you're at. Up is your best companion for overseas travel, equipped with tools that allow you to speak the language of money no matter where you are in the world. * Get fast support from real humans, 18 hours a day, 7 days a week. Message our locally-based crew in-app via the Talk to Us tab. Get set up in minutes and experience firsthand why life's better on The Upside. T&Cs @ up.com.au/terms. International money transfers performed by Wise. Up is a brand of Bendigo and Adelaide Bank Limited, ABN 11 068 049 178, AFSL and Australian Credit Licence 237879. Any advice provided is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Registered address: The Bendigo Centre, Bath Lane, Bendigo, Vic, 3550.

About

payc

This platform connects hospitality workers with flexible job opportunities and ensures fast payment for shifts worked. Find casual work in cafes, bars, and hotels that fits your schedule and get paid quickly.

Highlights
  • Find casual hospitality gigs
  • Flexible work hours
  • Fast payment processing
  • Work in various venues
  • Upfront pay visibility
Features
Read full description

payc by Barcats is your one-stop hospitality platform for casual and shift work in Australia. We're talking flexible hours, fast cash flow, and endless opportunities to explore your skills. Here's the payc magic: Land gigs in a flash: No more resume blues or interview jitters. Get matched, work the shift, and get paid! Work where you want: Fancy cafes, lively bars, or sleek hotels - choose your work playground! Your schedule, your rules: Need to study for exams? Planning a trip? Pick shifts that fit your life, not the other way around! See your pay upfront: Know exactly what you're earning before you even start! Get paid lightning fast: Ditch the payday wait. With payc, your hard work gets rewarded… faster! Ready to trade in the ordinary for the extraordinary? Download payc and start your shift today!

Screenshots

Up4 screens
payc4 screens

Verdict

The call

The clearest difference is review sentiment: Up at 71% against payc's 0%. Up also leads on device support (3 vs 1). payc's advantage is monetization model (free vs free with in-app purchases). On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Up ships an update fortnightly, payc every 9 days. The most recent releases landed on October 19, 2026 and October 8, 2026 respectively.

Scorecard3 real differences · 7 level
Up versus payc: the parameters behind the verdict, then further details
ParameterUppayc
PriceFreeFree
Rating4.7 (190 ratings) — better—
Positive reviews71.5% of reviews — better0.0% of reviews
Number of ratings190 — better—
Update frequencyFortnightlyEvery 9 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPod, Apple Watch — betteriPhone
Requires iOS15.1 — better16.4
Further details — not scored
Size485 MB23 MB
Age rating4+4+
DeveloperUp MoneyBarcats Pty Ltd

Customer experience

Up

All ratings190 ratings
Positive92.1%
Neutral1.6%
Negative6.3%
Written reviews687 reviews
Positive71.5%
Neutral2.6%
Negative25.9%

payc

Written reviews4 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Bugs and requests

Up

Reported bugs

4 issues
  • Frequent app crashes and freezes
  • Issues with payment processing and transaction tracking
  • Problems with account verification and access
  • Inconsistent behavior with Face ID/biometrics

Requested features

5 requests
  • Ability to deposit cash
  • Integration with other budgeting/investing apps
  • More customization options for savers and accounts
  • Improved iPad app experience
  • Dark mode for the app

payc

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Up

No in-app purchases

None

payc

No in-app purchases

Questions

Is Up free?
Up is free to download, with no in-app purchases.
Is payc free?
payc is free to download, with no in-app purchases.
Do Up or payc have ads?
Neither Up nor payc shows ads.
Which is updated more often, Up or payc?
Up ships an update fortnightly, and payc every 9 days. Most recently, Up was updated on October 19, 2026 and payc on October 8, 2026.

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