RATO vs Payoma
Price, ratings, monetisation and update history for both apps, side by side ā with what reviewers say about each.
RATO
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RATO is a secure and easy-to-use app for your domestic and SEPA payments. Get started in just a few minutes and immediately have full control of your finances. With RATO your payments are simple, fast and secure. Release features: ā¢ European IBAN account ā¢ SEPA payments ā¢ Instant access to account balance information ā¢ Detailed account statements with full transaction history of operations ā¢ Payment details ā¢ List of payees ā¢ Access to your accounts 24/7
Payoma
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Payoma is a digital payment solutions provider. We offer instant, safe and convenient payment services across the globe for individuals and businesses.
Screenshots
Verdict
The clearest difference is update cadence: Payoma at every 6 weeks against RATO's every 6 months. RATO's advantage is iOS requirement (13.0 vs 16.4). On price, ads, in-app purchases and device support there is nothing between them.
Scored on Price Ā· Rating Ā· Positive reviews Ā· Number of ratings Ā· Update frequency Ā· Ads Ā· In-app purchases Ā· Monetization Ā· Best chart rank Ā· Devices Ā· Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
RATO ships an update every 6 months, Payoma every 6 weeks. The most recent releases landed on October 25, 2026 and October 12, 2026 respectively.
| Parameter | RATO | Payoma |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 6 months | Every 6 weeks ā better |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone, iPod ā better | iPhone |
| Requires iOS | 13.0 ā better | 16.4 |
| Further details ā not scored | ||
| Size | 68 MB | 58 MB |
| Age rating | 4+ | 12+ |
| Developer | FORBIS, UAB | Payoma Limited |
In-app purchases
RATO
No in-app purchases
Payoma
No in-app purchases
