# Up vs Pyng

The clearest difference is rating: Up at 4.7 against Pyng's 4.0. Up also leads on review sentiment (71% vs 50%) and ratings volume (192 vs 4). Pyng'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 holds the better App Store score, 4.7 against 4.0. That said, the two scores are not equally well evidenced: Up has 192 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 71% of Up's written reviews are positive against 50% of Pyng's.

Up ships an update fortnightly, Pyng every 9 days. The most recent releases landed on October 29, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | Up | Pyng |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (192 ratings)](https://appshunter.io/ios/app/up-simplify-money/id1350717115/reviews)** | [4.0 (4 ratings)](https://appshunter.io/ios/app/pyng/id6483862761/reviews) |
| Number of ratings | **192** | 4 |
| Positive reviews | **71.4% of reviews** | 50.0% 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 | 42 MB |
| Requires iOS | **15.1** | 15.6 |
| Devices | **iPhone, iPod, Apple Watch** | iPhone, iPod |
| Age rating | 4+ | 12+ |
| Developer | [Up Money](https://appshunter.io/developer/1350717114) | [Pyng Payments Pty Ltd](https://appshunter.io/developer/1740303483) |

## 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


### Pyng

[App page](https://appshunter.io/ios/app/pyng/id6483862761)

This app offers a secure and cost-effective payment solution by allowing direct transactions from your bank account. It eliminates surcharges for both users and merchants, ensuring your money remains safe and under your control.

**Highlights:** Zero surcharges for users and merchants, Direct payment from bank account, Bank-level security authentication, Set spending limits, QR code payment scanning

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

**In-app purchases:** none


## Frequently asked questions

### Is Up free?

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

### Is Pyng free?

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

### Which has better reviews, Up or Pyng?

Up is rated higher. Up averages 4.7 out of 5 from 192 ratings, while Pyng averages 4.0 from 4 ratings.

### Do Up or Pyng have ads?

Neither Up nor Pyng shows ads.

### Which is updated more often, Up or Pyng?

Up ships an update fortnightly, and Pyng every 9 days. Most recently, Up was updated on October 29, 2026 and Pyng 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.*