# First Citizens vs Wam!

The clearest difference is review sentiment: Wam! at 100% against First Citizens's 17%. Wam! also leads on rating (5.0 vs 1.8) and update cadence (monthly vs every 7 months). First Citizens's advantage is ratings volume (43 vs 10) and iOS requirement (13.0 vs 15.1). 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.

Wam! holds the better App Store score, 5.0 against 1.8. Both are backed by a comparable volume of ratings — 43 and 10 respectively. Written reviews point the same way: 17% of First Citizens's written reviews are positive against 100% of Wam!'s.

First Citizens ships an update every 7 months, Wam! monthly. The most recent releases landed on October 14, 2026 and October 9, 2026 respectively.

## The numbers

| Metric | First Citizens | Wam! |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.8 (43 ratings)](https://appshunter.io/ios/app/first-citizens/id1495642922/reviews) | **[5.0 (10 ratings)](https://appshunter.io/ios/app/wam/id6738292068/reviews)** |
| Number of ratings | **43** | 10 |
| Positive reviews | 16.7% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 7 months | **Monthly** |
| Monetization | Free | Free |
| Size | 30 MB | 137 MB |
| Requires iOS | **13.0** | 15.1 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [FCIS](https://appshunter.io/developer/979125953) | [Wam Now, Inc.](https://appshunter.io/developer/1779999941) |

## What reviewers say

### First Citizens

[App page](https://appshunter.io/ios/app/first-citizens/id1495642922)

Manage your finances conveniently and securely from your mobile device. Check account balances, pay bills, transfer funds, and locate branches or ATMs. Requires prior online banking registration.

**Highlights:** View real-time account balances, Pay utility bills and credit cards, Transfer funds to other accounts, Schedule payment transfers, Locate branches and ATMs, Access support portal

**Features:** macOS Compatibility

**In-app purchases:** none


### Wam!

[App page](https://appshunter.io/ios/app/wam/id6738292068)

A mobile wallet designed for seamless transactions, allowing users to send and receive money quickly and securely. It supports various payment methods, including QR codes and usernames, and offers access to cash through a network of agents.

**Highlights:** Send money to friends, Pay vendors, Cash out via agents, Accept small business payments, Scan QR codes for payment, Send funds by username, Request payment via link

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is First Citizens free?

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

### Is Wam! free?

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

### Which has better reviews, First Citizens or Wam!?

Wam! is rated higher. First Citizens averages 1.8 out of 5 from 43 ratings, while Wam! averages 5.0 from 10 ratings.

### Do First Citizens or Wam! have ads?

Neither First Citizens nor Wam! shows ads.

### Which is updated more often, First Citizens or Wam!?

First Citizens ships an update every 7 months, and Wam! monthly. Most recently, First Citizens was updated on October 14, 2026 and Wam! on October 9, 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.*