# IDB Access vs PayEm

The clearest difference is review sentiment: IDB Access at 100% against PayEm's 0%. PayEm's advantage is rating (3.9 vs 3.0) and update cadence (monthly vs every 13 months). On price, ads, in-app purchases and monetization model there is nothing between them.

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

PayEm holds the better App Store score, 3.9 against 3.0. Both are backed by a comparable volume of ratings — 2 and 8 respectively. Written reviews complicate that: 100% of IDB Access's written reviews are positive against 0% of PayEm's, so the app with the better star average is not the one people write more warmly about.

IDB Access ships an update every 13 months, PayEm monthly. The most recent releases landed on September 28, 2026 and October 8, 2026 respectively.

## The numbers

| Metric | IDB Access | PayEm |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (2 ratings)](https://appshunter.io/ios/app/idb-access/id1458645517/reviews) | **[3.9 (8 ratings)](https://appshunter.io/ios/app/payem/id1469184606/reviews)** |
| Number of ratings | 2 | **8** |
| Positive reviews | **100.0% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 13 months | **Monthly** |
| Monetization | Free | Free |
| Size | 19 MB | 46 MB |
| Requires iOS | 17.0 | **11.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Israel Discount Bank Of New York](https://appshunter.io/developer/1099565907) | [PayEm Card Ltd](https://appshunter.io/developer/1469184605) |

## What reviewers say

### IDB Access

[App page](https://appshunter.io/ios/app/idb-access/id1458645517)

This mobile app provides private and corporate banking clients secure access to account information and transaction capabilities. Monitor activity, stop checks, make deposits, and view messages. Corporate users can also manage and approve payments.

**Highlights:** Monitor account activity, Stop checks, Make deposits, View secure messages, Make and approve payments, Check positive pay exceptions

**In-app purchases:** none


### PayEm

[App page](https://appshunter.io/ios/app/payem/id1469184606)

Manage company expenses on the go. Request funds, pay with shared cards, and easily upload receipts directly from your mobile device. This platform provides convenient access to financial tools for employees.

**Highlights:** Request funds, Pay with shared cards, Upload receipts, Access company finances, Mobile expense management

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is IDB Access free?

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

### Is PayEm free?

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

### Which has better reviews, IDB Access or PayEm?

PayEm is rated higher. IDB Access averages 3.0 out of 5 from 2 ratings, while PayEm averages 3.9 from 8 ratings.

### Do IDB Access or PayEm have ads?

Neither IDB Access nor PayEm shows ads.

### Which is updated more often, IDB Access or PayEm?

IDB Access ships an update every 13 months, and PayEm monthly. Most recently, IDB Access was updated on September 28, 2026 and PayEm on October 8, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*