# Rabo Smart Pay vs Mijn SEPAY

The clearest difference is iOS requirement: Mijn SEPAY at 9 against Rabo Smart Pay's 15.6. On price, update cadence, ads and in-app purchases there is nothing between them.

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

Rabo Smart Pay ships an update every 2 months, Mijn SEPAY every 3 months. Both last shipped on November 3, 2026.

## The numbers

| Metric | Rabo Smart Pay | Mijn SEPAY |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 months** | Every 3 months |
| Size | 13 MB | 38 MB |
| Requires iOS | 15.6 | **9** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Rabobank Nederland](https://appshunter.io/developer/300926680) | [SEPAY B.V.](https://appshunter.io/developer/1523057003) |

## What reviewers say

### Rabo Smart Pay

[App page](https://appshunter.io/ios/app/rabo-smart-pay/id1481938624)

**Features:** Vision Pro support

**In-app purchases:** none


### Mijn SEPAY

[App page](https://appshunter.io/ios/app/mijn-sepay/id1523057001)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Rabo Smart Pay free?

Rabo Smart Pay is free to download, with no in-app purchases.

### Is Mijn SEPAY free?

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

### Do Rabo Smart Pay or Mijn SEPAY have ads?

Neither Rabo Smart Pay nor Mijn SEPAY shows ads.

### Which is updated more often, Rabo Smart Pay or Mijn SEPAY?

Rabo Smart Pay ships an update every 2 months, and Mijn SEPAY every 3 months. Most recently, Rabo Smart Pay was updated on November 3, 2026 and Mijn SEPAY on November 3, 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.*