# ONE ZERO vs LAYA

The clearest difference is review sentiment: LAYA at 100% against ONE ZERO's 10%. LAYA also leads on rating (4.9 vs 3.0) and monetization model (free vs free with in-app purchases). ONE ZERO's advantage is ratings volume (61 vs 13). 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.

LAYA holds the better App Store score, 4.9 against 3.0. Both are backed by a comparable volume of ratings — 61 and 13 respectively. Written reviews point the same way: 10% of ONE ZERO's written reviews are positive against 100% of LAYA's.

ONE ZERO ships an update every 2 weeks, LAYA weekly. The most recent releases landed on October 6, 2026 and October 10, 2026 respectively.

## The numbers

| Metric | ONE ZERO | LAYA |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (61 ratings)](https://appshunter.io/ios/app/one-zero/id1554109300/reviews) | **[4.9 (13 ratings)](https://appshunter.io/ios/app/laya/id6449288260/reviews)** |
| Number of ratings | **61** | 13 |
| Positive reviews | 10.4% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Weekly** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 274 MB | 189 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [ONE ZERO Digital Bank LTD](https://appshunter.io/developer/1522256484) | [Laya](https://appshunter.io/developer/1677395264) |

## What reviewers say

### ONE ZERO

[App page](https://appshunter.io/ios/app/one-zero/id1554109300)

This digital bank offers accounts with no maintenance fees and unique benefits designed to save users thousands annually. Enjoy high-interest deposits, fee-free foreign currency transactions, and investment opportunities. Manage all your accounts and cards in one place with AI-powered insights and expert support.

**Highlights:** No maintenance fees, High-interest deposits, Fee-free foreign currency transactions, Investment opportunities, Consolidated account management, AI-powered financial insights, 24/7 expert support

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Intuitive and efficient app
- 👍 Bank is good and advanced
- 👍 No unnecessary fees
- 👍 Well-structured package deals

**What reviewers complain about**

- ❌ No English language option
- ❌ Slow and unhelpful support
- ❌ Impossible to transfer money to oneself
- ❌ Annoying promotional notifications
- ❌ Stuck in registration loop

**Reported bugs**

- Stuck in registration loop
- App is often stuck
- App crashes
- Voice verification not working
- Document scanning errors

**Requested features**

- Add English language option
- Improve AI helper
- Add dark mode
- Add iPad version
- Option to provide feedback within the app


### LAYA

[App page](https://appshunter.io/ios/app/laya/id6449288260)

This digital wallet simplifies international payments with zero currency exchange fees and real-time exchange rates. It offers secure transactions, smart group expense splitting, and direct currency purchases within the app, all managed through a user-friendly Hebrew interface.

**Highlights:** Zero currency exchange fees, Real-time exchange rates, Smart group expense splitting, Secure digital and physical card, Direct currency purchase in-app, Hebrew interface and customer support

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is ONE ZERO free?

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

### Is LAYA free?

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

### Which has better reviews, ONE ZERO or LAYA?

LAYA is rated higher. ONE ZERO averages 3.0 out of 5 from 61 ratings, while LAYA averages 4.9 from 13 ratings.

### Do ONE ZERO or LAYA have ads?

Neither ONE ZERO nor LAYA shows ads.

### Which is updated more often, ONE ZERO or LAYA?

ONE ZERO ships an update every 2 weeks, and LAYA weekly. Most recently, ONE ZERO was updated on October 6, 2026 and LAYA on October 10, 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.*