Comparison

Beem vs Mobile Pay

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

Head to head
About

Beem

Manage your money, split bills, and earn rewards all in one secure digital wallet. Pay, request, and transfer funds easily with contacts, and store loyalty and gift cards. Offers cashback and integrated BPAY for bill payments.

Highlights
  • Send and request money
  • Split bills with contacts
  • Earn cashback rewards
  • Store loyalty cards
  • Integrated BPAY for bills
  • Send digital gift cards
Features
Read full description

A digital wallet that does more than store. With Beem you can pay, request, transfer and split money – plus earn rewards and keep your loyalty and gift cards – all in one place. It’s easy, secure and free to download. ---------------- One wallet. Many possibilities. Say goodbye to the bulky, chuck in your bag retro wallet, and say hello to a shiny, new, all-in-one app that does more than store cards. Pay people. Not accounts. We facilitate payments, but we’re not a bank. Beem syncs up to your contacts, so you flick it over, divvy it up or call it in with anyone in your network. No bank details needed. Split the bill. Not friendships. Track and split expenses between mates without any chasing or awkward convos. You can even create multiple groups for friends, family or workmates. Just enter the amount, we calculate who-owes-what, and everyone settles up. Quick, easy, and all in the app. Get cashback. When you spend. Unlock more value with online and in-store offers via Beem Rewards. Shop in-person with your linked cards or online via the app and watch your savings grow. BPAY® on Beem. Easy as. Master your bills in moments. With BPAY built-in, you know where your money is going and when it’s going to land. Maximise loyalty. Store in one place. Time to declutter all the plastic, punch cards and apps. Beem digitalises all your loyalty cards together in one place. Less risk. More reward. Do you know what present everyone really loves? Choice. Buy and send a personalised gift card from your wallet to theirs. ---------------- The fine print Digital Wallet Pty Ltd ABN 93 624 272 475 (Digital Wallet) AFSL 515270 is the issuer and provider of the Beem facility. Before downloading the app, please consider the Product Disclosure Statement and Terms and Conditions, available at beem.com.au. References to 'Beem' or 'Beem It' are used interchangeably. Any financial product advice, incidental or expressly, provided by Digital Wallet is general advice only. This advice has been prepared without considering your objectives, financial situation or needs, you should, before acting on it, consider if Beem is appropriate for your circumstances. To make or receive a payment through Beem, a valid Visa or Mastercard debit card attached to an Australian bank account is required. T&Cs apply. Beem Rewards and Beembucks have no monetary value. Any value assigned and any redemption is at the sole discretion of Digital Wallet. You have no entitlement to Beem Rewards and Beembucks until Digital Wallet has notified you that Beem Rewards have a value, you have accumulated more than AUD$10 in Beembucks notified value and you have requested redemption. Please read the PDS and T&Cs, Privacy Policy and Beem Rewards T&Cs.

About

Mobile Pay

Instantly access and manage your digital pre-paid Mastercard. Securely add your card to your mobile wallet for easy in-store and online payments. View transaction history and card details within the app.

Highlights
  • Instant digital Mastercard access
  • Add card to mobile wallet
  • Tap and Go in-store payments
  • Online payment details retrieval
  • View transaction history
  • Access card expiry and CVC
Features
Read full description

Access your digital pre-paid Mastercard instantly, easily and securely. You will receive a text message from us with details on how to access your Mastercard using Mobile Pay. You can then add your Mastercard to your mobile Wallet. How To Use: 1. Follow the text prompts to download Mobile Pay, access your Mastercard and choose to save it to your card wallet. 2. Open your card wallet or the Mobile Pay app to access the card. 3. For in-store purchases at participating merchants follow the prompts to use the “Tap and Go” facility. 4. For online purchases, open the Mobile Pay app and tap the card image to find your card number, expiry and CVC to enter at checkout. 5. Open the Mobile Pay app to view transaction history, expiry and card details. Happy shopping!

Screenshots

Beem4 screens
Mobile Pay4 screens

Verdict

The call

The clearest difference is review sentiment: Beem at 58% against Mobile Pay's 19%. Beem also leads on ratings volume (154 vs 1). Mobile Pay's advantage is monetization model (free vs free with in-app purchases) and rating (5.0 vs 4.7). On price, ads, in-app purchases and device support 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.

ReceptionRating · Positive reviews · Number of ratings

Mobile Pay holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: Beem has 154 ratings behind it against 1, so its average is the more settled of the two. Written reviews complicate that: 58% of Beem's written reviews are positive against 19% of Mobile Pay's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Beem ships an update every 2 months, Mobile Pay monthly. The most recent releases landed on October 25, 2026 and October 24, 2026 respectively.

Scorecard6 real differences · 4 level
Beem versus Mobile Pay: the parameters behind the verdict, then further details
ParameterBeemMobile Pay
PriceFreeFree
Rating4.7 (154 ratings)5.0 (1 ratings) — better
Positive reviews57.6% of reviews — better19.2% of reviews
Number of ratings154 — better1
Update frequencyEvery 2 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.011.0 — better
Further details — not scored
Size98 MB34 MB
Age rating4+4+
DeveloperBeem ItEdge Loyalty Systems Pty Ltd

Customer experience

Beem

All ratings152 ratings
Positive92.8%
Neutral2.0%
Negative5.3%
Written reviews158 reviews
Positive57.6%
Neutral9.5%
Negative32.9%

Mobile Pay

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews26 reviews
Positive19.2%
Neutral0.0%
Negative80.8%

Bugs and requests

Beem

Reported bugs

5 issues
  • App not loading or freezing after updates
  • Payments not showing up or getting lost
  • Inability to remove or change linked cards
  • Account verification issues and lockouts
  • Loyalty card feature not functioning properly

Requested features

5 requests
  • Add search function to find past transactions
  • Allow admins to close payment groups
  • Integrate receipt/bill upload for expenses
  • Provide option to change payment split ratios
  • Add support for international users and cards

Mobile Pay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Beem

No in-app purchases

None

Mobile Pay

No in-app purchases

Questions

Is Beem free?
Beem is free to download, with no in-app purchases.
Is Mobile Pay free?
Mobile Pay is free to download, with no in-app purchases.
Which has better reviews, Beem or Mobile Pay?
Mobile Pay is rated higher. Beem averages 4.7 out of 5 from 154 ratings, while Mobile Pay averages 5.0 from 1 ratings.
Do Beem or Mobile Pay have ads?
Neither Beem nor Mobile Pay shows ads.
Which is updated more often, Beem or Mobile Pay?
Beem ships an update every 2 months, and Mobile Pay monthly. Most recently, Beem was updated on October 25, 2026 and Mobile Pay on October 24, 2026.

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