# myWisely vs Ferry Pay

The clearest difference is update cadence: Ferry Pay at every 2 weeks against myWisely's every 3 months. myWisely's advantage is ratings volume (38K vs 897) and review sentiment (65% vs 48%). On price, rating, 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.

On the App Store both sit at effectively the same score — 4.7 for myWisely against 4.7 for Ferry Pay. That said, the two scores are not equally well evidenced: myWisely has 38K ratings behind it against 897, so its average is the more settled of the two. Written reviews are what separate them: 65% of myWisely's written reviews are positive against 48% of Ferry Pay's.

myWisely ships an update every 3 months, Ferry Pay every 2 weeks. The most recent releases landed on November 5, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | myWisely | Ferry Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (38K ratings)](https://appshunter.io/ios/app/mywisely-mobile-banking/id1438858747/reviews) | **[4.7 (897 ratings)](https://appshunter.io/ios/app/ferry-pay/id6450126677/reviews)** |
| Number of ratings | **38K** | 897 |
| Positive reviews | **65.0% of reviews** | 47.9% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 2 weeks** |
| Monetization | Free | Free |
| Best chart rank | **#121** | — |
| Size | 82 MB | 36 MB |
| Requires iOS | 16.4 | **15.1** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 12+ | 17+ |
| Developer | [ADP, Inc](https://appshunter.io/developer/363884520) | [Ferry Pay Inc.](https://appshunter.io/developer/1682073820) |

## What reviewers say

### myWisely

[App page](https://appshunter.io/ios/app/mywisely-mobile-banking/id1438858747)

**Currently charting:** #121 Top Free · Finance (US App Store)

Manage your finances with early access to paychecks, fee-free banking, and automated savings tools. This app allows you to track spending, pay bills, and save for your goals, even when changing jobs.

**Highlights:** Get paid up to 2 days early, Save for goals automatically, No hidden or overdraft fees, Track spending, Pay bills, Works with job changes

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Quick direct deposits
- 💰 Convenient for receiving paychecks
- 📈 Helpful budgeting and savings features

**What reviewers complain about**

- 🤖 Poor customer service and lack of human support
- 🔒 Account lockouts and difficulties accessing funds
- 💳 Unreliable card functionality and activation issues
- 💰 Unexpected fees and charges

**Reported bugs**

- Recurring issues with card activation and verification
- Inconsistent deposit timing and processing
- Unexplained account lockouts and access problems

**Requested features**

- Ability to instantly transfer funds to external accounts
- Improved mobile app experience and user interface
- Clearer communication on account status and changes


### Ferry Pay

[App page](https://appshunter.io/ios/app/ferry-pay/id6450126677)

Manage your finances, track spending, and earn rewards with this app. It offers real-time notifications, card management, and easy money transfers. Access a network of ATMs and explore local cashback offers.

**Highlights:** Real-time spending notifications, Card freezing and reissuance, Instant and standard money transfers, Personalized cashback offers, ATM locator

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast money transfers
- 💳 Convenient for work payments
- 👍 Easy to use app
- 🤑 Faster payouts than previous options

**What reviewers complain about**

- 🐛 Frequent app crashes and bugs
- 🔒 Poor security and fraud protection
- 💸 Excessive fees and charges
- 🤯 Frustrating login and account management issues
- 🚫 Lack of basic features like Apple Pay and savings accounts

**Reported bugs**

- White screen issues when logging in
- Endless loops when trying to transfer money
- Account access problems after phone changes
- Incorrect transaction amounts and charges

**Requested features**

- Add savings account feature
- Improve login and account management experience
- Integrate with popular payment platforms like Apple Pay
- Enhance customer support and response times


## Frequently asked questions

### Is myWisely free?

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

### Is Ferry Pay free?

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

### Which has better reviews, myWisely or Ferry Pay?

Ferry Pay is rated higher. myWisely averages 4.7 out of 5 from 38K ratings, while Ferry Pay averages 4.7 from 897 ratings.

### Do myWisely or Ferry Pay have ads?

Neither myWisely nor Ferry Pay shows ads.

### Which is updated more often, myWisely or Ferry Pay?

myWisely ships an update every 3 months, and Ferry Pay every 2 weeks. Most recently, myWisely was updated on November 5, 2026 and Ferry Pay on November 3, 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.*