# VM Express Mobile App vs Lynk

The clearest difference is rating: Lynk at 4.6 against VM Express Mobile App's 3.2. Lynk also leads on review sentiment (42% vs 7%) and ratings volume (1.7K vs 44). 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.

Lynk holds the better App Store score, 4.6 against 3.2. That said, the two scores are not equally well evidenced: Lynk has 1.7K ratings behind it against 44, so its average is the more settled of the two. Written reviews point the same way: 7% of VM Express Mobile App's written reviews are positive against 42% of Lynk's.

VM Express Mobile App ships an update every 4 months, Lynk every 2 months. The most recent releases landed on October 23, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | VM Express Mobile App | Lynk |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.2 (44 ratings)](https://appshunter.io/ios/app/vm-express-mobile-app/id1479526529/reviews) | **[4.6 (1.7K ratings)](https://appshunter.io/ios/app/lynk-digital-payments/id1573617151/reviews)** |
| Number of ratings | 44 | **1.7K** |
| Positive reviews | 7.1% of reviews | **42.3% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Every 2 months** |
| Monetization | Free | Free |
| Size | 52 MB | 127 MB |
| Requires iOS | **14.0** | 15.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [The Victoria Mutual Building Society](https://appshunter.io/developer/1475082282) | [TFOB (2021) Limited](https://appshunter.io/developer/1592753008) |

## What reviewers say

### VM Express Mobile App

[App page](https://appshunter.io/ios/app/vm-express-mobile-app/id1479526529)

Experience a new, convenient style of banking with this user-friendly platform. Perform transactions faster, anytime and anywhere, eliminating the need for physical bank visits. Enjoy features like international fund transfers, account management, and enhanced security.

**Highlights:** International and local fund transfers, View account activity, Currency exchange transactions, Check FX rates, Manage transaction limits, Set recurring transfers, Fingerprint and Face recognition security

**Features:** Apple Wallet

**In-app purchases:** none


### Lynk

[App page](https://appshunter.io/ios/app/lynk-digital-payments/id1573617151)

A digital wallet for fast, safe, and easy cashless payments. Sign up in minutes without a bank account and make instant, fee-free transfers to friends and family or pay at a wide network of businesses. Advanced security ensures peace of mind.

**Highlights:** Cashless transactions, Instant, fee-free transfers, Quick signup, Network of small businesses, Advanced fraud prevention

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 💯 Excellent app
- 🚀 Fast and reliable
- 💳 Convenient payment options
- 💰 Easy money transfers
- 🤝 Great customer service

**What reviewers complain about**

- 🐛 Technical issues and bugs
- ⏱️ Slow transaction processing
- 🔒 Verification and login problems
- 💸 Unreliable remittance service
- 🤖 Compatibility issues with devices

**Reported bugs**

- Frequent app crashes and freezes
- Failed ATM cash withdrawals
- Inability to verify new devices
- Inconsistent account access and login issues

**Requested features**

- Add delete/edit transaction history option
- Integrate international money transfer capabilities
- Provide a physical debit card option
- Improve customer support accessibility


## Frequently asked questions

### Is VM Express Mobile App free?

VM Express Mobile App is free to download, with no in-app purchases.

### Is Lynk free?

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

### Which has better reviews, VM Express Mobile App or Lynk?

Lynk is rated higher. VM Express Mobile App averages 3.2 out of 5 from 44 ratings, while Lynk averages 4.6 from 1.7K ratings.

### Do VM Express Mobile App or Lynk have ads?

Neither VM Express Mobile App nor Lynk shows ads.

### Which is updated more often, VM Express Mobile App or Lynk?

VM Express Mobile App ships an update every 4 months, and Lynk every 2 months. Most recently, VM Express Mobile App was updated on October 23, 2026 and Lynk on October 30, 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.*