PayCaptain vs Stream
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PayCaptain
This app provides employees with interactive payslips, a chatbot for pay-related questions, and automated wage advances. It also facilitates savings, charitable donations, and flexible pay splitting, alongside personal financial wellness guidance.
- Interactive payslips with chatbot
- Automated wage advances up to £200
- Dedicated Visa Debit Card
- Automatic savings transfers
- Tax-free charity donations
- Flexible pay splitting
- Financial wellness guidance
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With PayCaptain you can: Enjoy graphical and interactive payslips with our built-in friendly chatbot to answer questions about your pay Get up to £200 per pay period, every week for your weekly personal expenses (automated/free wage advance) Get a PayCaptain account with a Visa Debit Card to separate some funds from your main bank account Make every pay day a ‘save day’ with automatic payments to your savings account Make tax free donations to your favourite charity and see your philanthropy on each payslip Round down your net pay and donate the pennies to your companies nominated charity Split your end of month pay to wherever its needed. Personal/Joint/Kids/Loan/etc Personal Financial Wellness Guidance and confidential helpline Your company needs to be using the PayCaptain Payroll Service to be able to use this app.
Stream
Manage your finances with this app that allows you to access earnings early, track spending, save with high interest, and access exclusive discounts. It also offers tools for tax optimization and personalized AI coaching.
- Choose when you get paid
- Check shifts and earnings
- Save with high interest
- Track spending across accounts
- Exclusive brand discounts
- AI money coach support
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Stream is an easy-to-use financial benefits app that helps you to save, budget, borrow and get paid when you choose. If your employer has partnered with Stream, you can download the app and activate your free membership in minutes, allowing you to: - Choose when you get paid - Check your shifts and earnings in real time - Save into an easy-access account with a market-leading interest rate - Track all your spending across bank accounts in one place - Get exclusive discounts from 100s of your favourite brands - Calculate and optimize your W4 contributions - Check what government benefits you are entitled to - Get personalised support from an AI money coach
Screenshots
Verdict
The clearest difference is update cadence: Stream at weekly against PayCaptain's every 2 months. PayCaptain's advantage is review sentiment (33% vs 19%). On price, ads, in-app purchases and monetization model there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
PayCaptain ships an update every 2 months, Stream weekly. The most recent releases landed on October 22, 2026 and October 25, 2026 respectively.
| Parameter | PayCaptain | Stream |
|---|---|---|
| Price | Free | Free |
| Rating | — | 4.7 (732 ratings) — better |
| Positive reviews | 33.3% of reviews — better | 18.9% of reviews |
| Number of ratings | — | 732 — better |
| Update frequency | Every 2 months | Weekly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 16.0 | 15.0 — better |
| Further details — not scored | ||
| Size | 33 MB | 55 MB |
| Age rating | 4+ | 4+ |
| Developer | PayCaptain Payroll Solutions Limited | Stream Platforms, Inc. |
Customer experience
PayCaptain
Stream
Bugs and requests
PayCaptain
Not enough reviews yet to summarise bugs or requests.
Stream
Reported bugs
21 issues- Account reactivated after deactivation
- App not loading, stuck in loading screen
- App support page not opening
- App freezes on white screen
- Cannot add card for transfer
Show 16 moreShow fewer
- App will not open
- Cannot log in with email
- Cannot reset password
- App won't let me sign in
- Cannot enroll in the program
- App won't allow login with sign-up email
- App won't let me sign up
- App won't let me login using my email address
- App won't let me reset my password
- App won't let me sign in
- App won't let me login
- App won't let me enroll
- App won't let me sign up
- Missing paycheck with no explanation
- App is glitchy sometimes
- Cannot see messages due to new version update
Requested features
7 requests- Option to delete account
- Better customer service response time
- Notification for new messages
- Fix app loading issues
- Allow access to paychecks when payday changes
Show 2 moreShow fewer
- Provide clear explanation for withheld money
- Allow users to speak to a human instead of AI
In-app purchases
PayCaptain
No in-app purchases
Stream
No in-app purchases
