# Baines Credit vs Wayabank

The clearest difference is rating: Baines Credit at 5.0 against Wayabank's 3.3. Wayabank's advantage is update cadence (every 6 days vs every 6 weeks). On price, ratings volume, 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.

Baines Credit holds the better App Store score, 5.0 against 3.3. Both are backed by a comparable volume of ratings — 2 and 4 respectively.

Baines Credit ships an update every 6 weeks, Wayabank every 6 days. Both last shipped on November 3, 2026.

## The numbers

| Metric | Baines Credit | Wayabank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (2 ratings)](https://appshunter.io/ios/app/baines-credit/id1484476423/reviews)** | [3.3 (4 ratings)](https://appshunter.io/ios/app/wayabank/id1658552439/reviews) |
| Number of ratings | 2 | **4** |
| Positive reviews | — | 50.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Every 6 days** |
| Monetization | Free | Free |
| Size | 108 MB | 94 MB |
| Requires iOS | **15.5** | 15.6 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Baines Credit Microfinance Bank](https://appshunter.io/developer/1484476422) | [WAYA MULTI LINK TECHNOLOGY LTD](https://appshunter.io/developer/1480642852) |

## What reviewers say

### Baines Credit

[App page](https://appshunter.io/ios/app/baines-credit/id1484476423)

Manage your finances with ease. Check account balances, view statements, and perform transactions like airtime recharge and bill payments. Facilitates inter- and intra-bank transfers and card requests.

**Highlights:** Check account balance, View account statement, Airtime recharge, Bill payments, Inter-bank transfer, Intra-bank transfer, Card request

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### Wayabank

[App page](https://appshunter.io/ios/app/wayabank/id1658552439)

Manage your finances with a secure digital banking solution. Easily send and receive money using just a phone number or email. Pay bills, top up data, and transfer funds to other banks.

**Highlights:** Send and receive money, Transfer to phone number or email, Withdraw to other banks, Bill payments (Airtime, Data, Utility), Secure digital banking

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Baines Credit free?

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

### Is Wayabank free?

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

### Which has better reviews, Baines Credit or Wayabank?

Baines Credit is rated higher. Baines Credit averages 5.0 out of 5 from 2 ratings, while Wayabank averages 3.3 from 4 ratings.

### Do Baines Credit or Wayabank have ads?

Neither Baines Credit nor Wayabank shows ads.

### Which is updated more often, Baines Credit or Wayabank?

Baines Credit ships an update every 6 weeks, and Wayabank every 6 days. Most recently, Baines Credit was updated on November 3, 2026 and Wayabank 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.*