# Memo Bank Authenticator vs Olkypay

The clearest difference is review sentiment: Olkypay at 29% against Memo Bank Authenticator's 0%. Olkypay also leads on iOS requirement (12.0 vs 15.0). 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.

Memo Bank Authenticator ships an update every 3 months, Olkypay every 2 months. The most recent releases landed on October 16, 2026 and October 6, 2026 respectively.

## The numbers

| Metric | Memo Bank Authenticator | Olkypay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[4.0 (2 ratings)](https://appshunter.io/ios/app/olkypay/id1592673663/reviews)** |
| Number of ratings | — | **2** |
| Positive reviews | 0.0% of reviews | **28.6% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 2 months** |
| Monetization | Free | Free |
| Size | 22 MB | 98 MB |
| Requires iOS | 15.0 | **12.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Memo Bank SA](https://appshunter.io/developer/1478649080) | [olkyrent sa](https://appshunter.io/developer/1592673665) |

## What reviewers say

### Memo Bank Authenticator

[App page](https://appshunter.io/ios/app/memo-bank-authenticator/id1500599670)

This app securely verifies your identity and approves sensitive financial transactions for your account. It's required for accessing your online banking and authorizing actions like logins, password changes, and transfers.

**Highlights:** Account verification, Transaction authorization, Login approval, Password change approval, Wire transfer approval, Beneficiary addition approval, Touch ID/Face ID security

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


### Olkypay

[App page](https://appshunter.io/ios/app/olkypay/id1592673663)

Manage personal and business accounts from a single interface. Facilitates secure and rapid transactions, including instant payments up to €100,000. Offers remote payment collection for businesses and online capital deposits for new companies.

**Highlights:** Unified personal and business account access, Instant payments up to €100,000, Remote payment collection for businesses, Online capital deposit for new companies, Card management (block/unblock), Transaction and balance monitoring

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Memo Bank Authenticator free?

Memo Bank Authenticator is free to download, with no in-app purchases.

### Is Olkypay free?

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

### Do Memo Bank Authenticator or Olkypay have ads?

Neither Memo Bank Authenticator nor Olkypay shows ads.

### Which is updated more often, Memo Bank Authenticator or Olkypay?

Memo Bank Authenticator ships an update every 3 months, and Olkypay every 2 months. Most recently, Memo Bank Authenticator was updated on October 16, 2026 and Olkypay on October 6, 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.*