# Up vs payc

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.

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

Up ships an update fortnightly, payc every 9 days. The most recent releases landed on October 22, 2026 and October 8, 2026 respectively.

## The numbers

| Metric | Up | payc |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (191 ratings)](https://appshunter.io/ios/app/up-simplify-money/id1350717115/reviews)** | — |
| Number of ratings | **191** | — |
| Positive reviews | **71.4% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Fortnightly | **Every 9 days** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 485 MB | 23 MB |
| Requires iOS | **15.1** | 16.4 |
| Devices | **iPhone, iPod, Apple Watch** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Up Money](https://appshunter.io/developer/1350717114) | [Barcats Pty Ltd](https://appshunter.io/developer/1712242173) |

## What reviewers say

### Up

[App page](https://appshunter.io/ios/app/up-simplify-money/id1350717115)

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:** Siri integration, Apple Wallet, Apple Watch app, iMessage stickers, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy and intuitive to use
- 💡 Helpful budgeting and saving features
- 👍 Seamless overseas transactions
- 🚀 Fast and responsive app
- 👍 Excellent customer service

**What reviewers complain about**

- 🐛 Account closure issues
- 🔒 Security and verification problems
- 👎 Declining interest rates
- 👎 Overly restrictive policies
- 👎 Inconsistent and unreliable service

**Reported bugs**

- 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**

- 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

[App page](https://appshunter.io/ios/app/payc/id6469583369)

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:** Apple Wallet

**In-app purchases:** none


## Frequently asked 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 22, 2026 and payc on October 8, 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.*