Access PayWise+ vs Marshmallow Insurance
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Access PayWise+
Access earned wages before your payday with this financial wellbeing app. It offers smart money management tools, personalized AI coaching, and savings features to help you build financial resilience and manage your money confidently.
- Earned wage access
- Real-time accrued wages
- AI financial coach
- Savings pots
- Money management tools
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PayWise+ Financial Wellbeing Made Simple The free PayWise+ app helps you take control of your finances with earned wage access, smart money management tools, and AI-powered support. Access wages you've already earned ahead of your normal pay date and send the money straight to your bank account. The app shows you real-time accrued wages, how much is available to withdraw, and a history of previous transactions. Plus, get personalised guidance from Penny, our AI financial coach, use savings pots to build financial resilience, and access tools to help you manage your money with confidence. Amounts withdrawn will be deducted from your next pay cheque along with any applicable fees.
Marshmallow Insurance
Manage your car insurance policies, access cover documents, and make changes instantly. Get help in emergencies with guides and direct call buttons. Submit claims quickly and chat with customer support in real-time.
- Manage policies in one account
- Instant access to cover documents
- Make changes in seconds
- Submit claims in minutes
- Emergency accident assistance
- Live chat support
- Understand your cover
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Get instant access to your cover. Make changes in seconds, make a claim in minutes, and get help in an emergency - all from your phone! Cover that’s fast, fair and always on your side. Join over 50,000 other Marshmallowers OUR APP - Manage all your policies in a single account. Get instant access to your cover documents, make a change with just a few clicks, and make a claim in minutes - Get help in an accident. Think of us as your new in-case-of-emergency. Get panic-friendly how-to guides, plus instant call buttons for help in accidents, breakdowns, and for all kinds of car damage. - Understand your cover. Get your questions answered with our nifty help feature - Talk to us instantly on live chat. Get answers from a real human (our Customer Happiness team) in under 2 minutes WHY MARSHMALLOW - No hidden fees. You can make changes instantly with no hidden costs - Fair pricing always. Extra security checks and anti-fraud algorithms allow us to pass big savings on to you - 24/7 claims line. Make a claim at any time of day or night - Lightning speed customer support. We respond to all live chats in under 2 minutes WHAT MAKES US GREAT - Inclusive: We’re proud to support a diverse customer base, and we do our best to insure people often turned away elsewhere - Instant: Hello, app! Hello, live chat! Hello, super fast claims! - Reliable: We’re reinsured by the world’s most trusted names, so your protection is always safe STAY IN TOUCH - facebook.com/marshmallowinsurance - twitter.com/getmarshmallow - instagram.com/getmarshmallow - linkedin.com/company/marshmallowltd THE LEGAL BIT Marshmallow is authorised and regulated by the UK Financial Conduct Authority. Our FCA reference is 797672. You can check our details on register.fca.org.uk Our privacy policy can be found here: marshmallow.com/privacy-policy
Screenshots
Verdict
The clearest difference is review sentiment: Access PayWise+ at 86% against Marshmallow Insurance's 37%. Access PayWise+ also leads on device support (3 vs 1) and iOS requirement (13.0 vs 18.0). Marshmallow Insurance's advantage is update cadence (weekly vs every 3 weeks). On price, ads, in-app purchases and monetization model 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Access PayWise+ ships an update every 3 weeks, Marshmallow Insurance weekly. The most recent releases landed on November 6, 2026 and November 7, 2026 respectively.
| Parameter | Access PayWise+ | Marshmallow Insurance |
|---|---|---|
| Price | Free | Free |
| Rating | — | 4.8 (263 ratings) — better |
| Positive reviews | 86.4% of reviews — better | 36.6% of reviews |
| Number of ratings | — | 263 — better |
| Update frequency | Every 3 weeks | Weekly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 13.0 — better | 18.0 |
| Further details — not scored | ||
| Size | 39 MB | 169 MB |
| Age rating | 4+ | 4+ |
| Developer | Access UK Ltd | Marshmallow |
Customer experience
Access PayWise+
Marshmallow Insurance
Bugs and requests
Access PayWise+
Not enough reviews yet to summarise bugs or requests.
Marshmallow Insurance
Reported bugs
2 issues- App login and verification issues
- Inconsistent policy information and updates
Requested features
4 requests- Improve customer support accessibility
- Enhance communication and transparency
- Provide more flexible policy management options
- Streamline claims processing and resolution
In-app purchases
Access PayWise+
No in-app purchases
Marshmallow Insurance
No in-app purchases
Questions
Is Access PayWise+ free?
Is Marshmallow Insurance free?
Do Access PayWise+ or Marshmallow Insurance have ads?
Which is updated more often, Access PayWise+ or Marshmallow Insurance?
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