# PayPay AO vs SB24

The clearest difference is review sentiment: PayPay AO at 100% against SB24's 22%. PayPay AO also leads on iOS requirement (12.0 vs 15.0). SB24's advantage is rating (4.6 vs 3.6) and ads (none vs shown). On price, update cadence, in-app purchases and device support there is nothing between them.

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

SB24 holds the better App Store score, 4.6 against 3.6. That said, the two scores are not equally well evidenced: SB24 has 381 ratings behind it against 19, so its average is the more settled of the two. Written reviews complicate that: 100% of PayPay AO's written reviews are positive against 22% of SB24's, so the app with the better star average is not the one people write more warmly about.

PayPay AO ships an update every 3 weeks, SB24 every 6 weeks. The most recent releases landed on October 25, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | PayPay AO | SB24 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.6 (19 ratings)](https://appshunter.io/ios/app/paypay-ao/id1523253553/reviews) | **[4.6 (381 ratings)](https://appshunter.io/ios/app/sb24/id1534713090/reviews)** |
| Number of ratings | 19 | **381** |
| Positive reviews | **100.0% of reviews** | 22.2% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Every 3 weeks** | Every 6 weeks |
| Monetization | Ad-supported | **Free** |
| Size | 68 MB | 176 MB |
| Requires iOS | **12.0** | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [CONECTANDO - SOCIEDAD3E PRESTADORA DE SERVICOS DE PAGAMENTOS, LDA](https://appshunter.io/developer/1617421364) | [Standard Bank Group](https://appshunter.io/developer/469367852) |

## What reviewers say

### PayPay AO

[App page](https://appshunter.io/ios/app/paypay-ao/id1523253553)

This app provides inclusive and fast mobile payment solutions for e-commerce in Africa. It allows users to easily pay for goods and services, transfer funds, and make withdrawals. Users can also register for a free account to send and receive payments.

**Highlights:** Mobile payment solutions, E-commerce payments, Fund transfers, Withdrawals, Secure payments, Free account registration

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

**In-app purchases:** none


### SB24

[App page](https://appshunter.io/ios/app/sb24/id1534713090)

Manage your finances on the go with this banking app. It allows for international transfers, bill payments, balance checks, and instant statements in a secure and efficient manner.

**Highlights:** International transfers, Bill payments, Check balances privately, Instant statements, Secure banking

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

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to manage
- 🚀 Fast and efficient
- 👍 Simplier and faster transactions
- 👍 Access balance anytime, anywhere
- 👍 Simplified and useful information/functions

**What reviewers complain about**

- 🐛 App frequently crashes
- 🐛 App is often offline/unavailable
- 🐛 Transactions fail or show errors
- 🐛 Payment by reference not working
- 🐛 Login issues (incorrect user/password)

**Reported bugs**

- Transfer errors with no proof of payment
- Transfers not appearing in movement history
- App freezes and needs restarting
- User/password incorrect error on iPhone 14
- App stopped working after update

**Requested features**

- Improve transfer error reporting
- Fix payment by reference functionality
- Address frequent crashes and restarts
- Resolve user/password incorrect errors
- Ensure app works after updates


## Frequently asked questions

### Is PayPay AO free?

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

### Is SB24 free?

SB24 is free to download, with no in-app purchases.

### Which has better reviews, PayPay AO or SB24?

SB24 is rated higher. PayPay AO averages 3.6 out of 5 from 19 ratings, while SB24 averages 4.6 from 381 ratings.

### Do PayPay AO or SB24 have ads?

PayPay AO shows ads; SB24 does not.

### Which is updated more often, PayPay AO or SB24?

PayPay AO ships an update every 3 weeks, and SB24 every 6 weeks. Most recently, PayPay AO was updated on October 25, 2026 and SB24 on October 24, 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.*