Comparison

Access PayWise+ vs Marshmallow Insurance

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

Head to head
About

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.

Highlights
  • Earned wage access
  • Real-time accrued wages
  • AI financial coach
  • Savings pots
  • Money management tools
Features
Read full description

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 Amounts withdrawn will be deducted from your next pay cheque along with any applicable fees.

About

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.

Highlights
  • 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
Features
Read full description

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

Access PayWise+4 screens
Marshmallow Insurance4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

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.

Scorecard4 real differences · 6 level
Access PayWise+ versus Marshmallow Insurance: the parameters behind the verdict, then further details
ParameterAccess PayWise+Marshmallow Insurance
PriceFreeFree
Rating—4.8 (263 ratings) — better
Positive reviews86.4% of reviews — better36.6% of reviews
Number of ratings—263 — better
Update frequencyEvery 3 weeksWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS13.0 — better18.0
Further details — not scored
Size39 MB169 MB
Age rating4+4+
DeveloperAccess UK LtdMarshmallow

Customer experience

Access PayWise+

Written reviews22 reviews
Positive86.4%
Neutral4.5%
Negative9.1%

Marshmallow Insurance

All ratings263 ratings
Positive96.2%
Neutral1.5%
Negative2.3%
Written reviews273 reviews
Positive36.6%
Neutral0.7%
Negative62.6%

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

None

Access PayWise+

No in-app purchases

None

Marshmallow Insurance

No in-app purchases

Questions

Is Access PayWise+ free?
Access PayWise+ is free to download, with no in-app purchases.
Is Marshmallow Insurance free?
Marshmallow Insurance is free to download, with no in-app purchases.
Do Access PayWise+ or Marshmallow Insurance have ads?
Neither Access PayWise+ nor Marshmallow Insurance shows ads.
Which is updated more often, Access PayWise+ or Marshmallow Insurance?
Access PayWise+ ships an update every 3 weeks, and Marshmallow Insurance weekly. Most recently, Access PayWise+ was updated on November 6, 2026 and Marshmallow Insurance on November 7, 2026.

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