Comparison

My OnePay vs Price Decay

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

Head to head
About

My OnePay

Manage your money on the go with this finance app. It offers features like payment notifications, money transfers, transaction tracking, and card management. Enhance your financial control with customizable security settings and instant card locking.

Highlights
  • Multi-language support
  • Payment notifications
  • Send money to UK accounts
  • Transaction tracking
  • Card lock/unlock
  • Contactless payment control
  • Biometric security
Features
Read full description

Take control of your finances with the ‘My OnePay’ App. Once your OnePay account has been approved, download the ‘My OnePay’ App to give yourself control over your finances and the ability to manage your money on the go. Key Features: • Select your preferred language, the ‘My OnePay’ is available in seven languages • Get notified when you receive a payment on your sort code & account number, unique to you • Send money to UK accounts or to another OnePay account • Spend online and approve your purchase directly in the app • Take comfort with a 360° view of your transactions and spending habits • Personalise the app to suit your needs and notification preferences • Get secure online by disabling ecommerce or overseas transactions • Lost your card, no problem – temporarily lock and unlock your card instantly • Get control over spending by enabling/disabling contactless payments with just one tap • Have peace of mind with the latest in biometric security, ensuring your account is kept safe and secure 24/7 The ’My OnePay’ App puts you in charge of your finances. Track your money on the go, enable security settings and make international money transfers simply and securely. Download for free today!

About

Price Decay

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You know that feeling when you check your bank statement and there's a charge from something you forgot you subscribed to? Again? That's not bad luck. That's the subscription model working exactly as intended. Price Decay is the app that makes you feel it. Open it and you'll see a number counting upward - penny by penny, in real time - representing exactly how much your subscriptions have cost you today. Not this month. Today. Since midnight. Right now. It's uncomfortable. That's the point. Every subscription. One place. Add your subscriptions once and Price Decay tracks the lot - streaming services, music apps, cloud storage, fitness platforms, news sites, gaming passes, that meditation app you've opened twice. Whatever you're paying for, it's in there. Each one gets its own live drain counter ticking away in the list, so you can see at a glance which ones are hurting most. That streaming service you barely use looks a lot different when you can see it eating 0.049p per second. It runs even when you're not looking. Add a widget to your home screen and the drain counter is right there every time you pick up your phone. No app needed. Just a quiet, constant reminder of money you agreed to spend. When you're ready to go deeper - Pro. Upgrade to Pro and unlock everything Price Decay was built to do: - Unlimited subscriptions (free tier covers 10 - fine until you realise how many you actually have) - Insights & charts - category breakdown, monthly totals, yearly projection, and a time to earn calculator that converts your spend into working hours - All widget styles - home screen and lock screen, so the number follows you everywhere - Bank statement import - drop in a PDF or CSV from your bank and Price Decay will scan it, detect your recurring charges, and add them in one go. Works with Monzo, Barclaycard, Nationwide, and most UK banks. Your data goes nowhere. Price Decay makes zero network calls. There is no server. No analytics. No account to create. Everything you enter stays on your device, forever. The only thing leaving your phone is the money you're already spending. How it works Every subscription you add has a cost-per-second. Price Decay multiplies that by the number of seconds since midnight to give you today's running total. It updates 20 times a second. You can watch it move. It's not a budgeting app. It's not a cancellation tool. It's a mirror. You already knew you were spending too much on subscriptions. Price Decay just makes sure you can't look away. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://brave-whale-0fa.notion.site/Privacy-Policy-Price-Decay-3322b962fc94808e8528e83890b7cfc0

Screenshots

My OnePay4 screens
Price Decay4 screens

Verdict

The call

The clearest difference is in-app purchases: My OnePay at none against Price Decay's 3. My OnePay also leads on iOS requirement (15.1 vs 17.0). Price Decay's advantage is update cadence (every 4 days vs monthly). On price, ads 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. Price Decay sells 3 in-app purchases, starting at $1.99 per month. My OnePay asks for nothing beyond the download.

UpkeepUpdate frequency

My OnePay ships an update monthly, Price Decay every 4 days. The most recent releases landed on October 20, 2026 and October 25, 2026 respectively.

Scorecard3 real differences · 7 level
My OnePay versus Price Decay: the parameters behind the verdict, then further details
ParameterMy OnePayPrice Decay
PriceFreeFree
Rating3.0 (1 ratings) — better—
Positive reviews12.5% of reviews—
Number of ratings1 — better—
Update frequencyMonthlyEvery 4 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPod — betteriPhone
Requires iOS15.1 — better17.0
Further details — not scored
Size40 MB5 MB
Age rating4+4+
DeveloperPaneleven LtdThomas Ireland-Ward

In-app purchases

None

My OnePay

No in-app purchases

3 purchases

Price Decay

Subscriptions2
  • Pro Monthly$1.991 Month
  • Pro Yearly7 Days trial$9.991 Year
One-time1
  • Pro Lifetime$19.99

Questions

Is My OnePay free?
My OnePay is free to download, with no in-app purchases.
Is Price Decay free?
Price Decay is free to download, with in-app purchases available.
Do My OnePay or Price Decay have ads?
Neither My OnePay nor Price Decay shows ads.
Which is updated more often, My OnePay or Price Decay?
My OnePay ships an update monthly, and Price Decay every 4 days. Most recently, My OnePay was updated on October 20, 2026 and Price Decay on October 25, 2026.

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