Comparison

VÚB Banking vs Payify

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

VÚB Banking

Securely manage your finances, cards, and loans with this banking app. Features include cardless ATM withdrawals, secure digital code authorization, and instant SEPA payments. Personalize your banking experience with an intuitive interface.

Highlights
  • Cardless ATM withdrawals
  • Secure digital code login
  • Multi-client login on one device
  • Instant SEPA payments
  • Customizable interface
Features
Read full description

This application is available for clients approached by bank. New VÚB Banking application brings secure and clear access to your complete finances, cards and loans. The application brings many novelties, such as more secure login using a digital code, the possibility of logging in multiple clients on one device, or even easier withdrawals from an ATM. In addition, the application is clear and intuitive, with the possibility of adapting it to your own needs. Most popular features: #withCASH - possibility to withdraw money from an ATM without the need of a plastic card #withKEY - safest way to authorize transactions with one time use digital code SEPA instant payments - online payments to selected banks in Slovakia

About

Payify

Features
Read full description

You're probably paying for subscriptions you forgot about. The average person wastes $32/month on forgotten subscriptions — streaming trials that converted, apps they stopped using, gym memberships they never cancelled. Payify fixes that. Add your subscriptions once. Payify tracks everything and alerts you before every renewal. No bank login required. No data sold. Just your subscriptions, organized. WHY PAYIFY? - No bank account connection — 100% private - Track all subscriptions and recurring bills in one place - Renewal reminders before charges hit — never be surprised - Monthly and yearly spending totals at a glance - Expense breakdown by category - Budget limits and savings tracker - Visual analytics and spending insights - Clean, fast, and simple BUILT FOR PRIVACY Most subscription apps connect to your bank. Payify doesn't. You add what you want to track — Netflix, Spotify, gym, rent, apps, insurance — and everything stays on your device and iCloud. We never see your data. Ever. STOP OVERPAYING Free trials turn into paid subscriptions. Prices quietly increase. Annual plans auto-renew before you notice. Payify puts you back in control with smart reminders set exactly how far in advance you need them. UNDERSTAND YOUR SPENDING See your total monthly and yearly outgoings in seconds. Break down expenses by category — entertainment, utilities, fitness, software — and instantly see where your money is going. Set budget limits and track whether you're staying on track. PERFECT FOR - Anyone with multiple streaming services - Freelancers and remote workers tracking software subscriptions - Families managing shared bills and services - People who got burned by forgotten free trials - Anyone who wants to reduce monthly expenses without a spreadsheet Take control of your subscriptions. Save more. Stress less. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

VÚB Banking4 screens
Payify3 screens

Verdict

The call

The clearest difference is in-app purchases: VÚB Banking at none against Payify's 3. VÚB Banking also leads on iOS requirement (13.0 vs 17.6). On price, update cadence, ads and device support 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Payify sells 3 one-off in-app purchases. VÚB Banking asks for nothing beyond the download.

UpkeepUpdate frequency

VÚB Banking ships an update every 6 weeks, Payify monthly. The most recent releases landed on October 7, 2026 and October 6, 2026 respectively.

Scorecard2 real differences · 8 level
VÚB Banking versus Payify: the parameters behind the verdict, then further details
ParameterVÚB BankingPayify
PriceFreeFree
Rating3.0 (44 ratings) — better—
Positive reviews2.2% of reviews—
Number of ratings44 — better—
Update frequencyEvery 6 weeksMonthly — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPod — betteriPhone
Requires iOS13.0 — better17.6
Further details — not scored
Size216 MB19 MB
Age rating4+4+
DeveloperVÚB, a.s.ERX CONNECT

Bugs and requests

VÚB Banking

Reported bugs

18 issues
  • App crashes on startup and during transactions
  • Notifications arrive hours late or multiple times
  • Payments not showing in real-time or for days
  • Cannot change ATM withdrawal limits
  • Push notifications still route to old app
Show 13 more
  • Cannot activate on multiple devices
  • QR code scanning fails frequently
  • App freezes and requires reactivation
  • Account reactivation doesn't work properly
  • Cannot copy account numbers easily
  • Credit card payment shows 0 amount
  • Floating panel covers half the screen
  • Filters don't work properly
  • Camera access prompt appears repeatedly
  • Data migration from old app incomplete
  • Payment confirmation notifications unreliable
  • Cannot pair with internet banking
  • Hamburger menu navigation issues on iOS

Requested features

18 requests
  • Dark mode option
  • Pending/planned transactions overview in one place
  • Quick access payment button on home screen
  • Account balance display on main screen
  • Batch notification management
Show 13 more
  • Multi-device support
  • Business account integration
  • Ability to change payment limits in app
  • Personalized account naming
  • Transaction balance display at point of payment
  • Viamo quick money sending feature
  • Card statistics and details in unified view
  • Lazy loading and caching for performance
  • Automatic login option
  • Better IBAN/account number copying
  • English language support
  • Investment portfolio visibility
  • Standing order monthly summary

Payify

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

VÚB Banking

No in-app purchases

3 purchases

Payify

One-time3
  • Coffee Small$4.99
  • Coffee Medium$9.99
  • Coffee Big$24.99

Questions

Is VÚB Banking free?
VÚB Banking is free to download, with no in-app purchases.
Is Payify free?
Payify is free to download, with in-app purchases available.
Do VÚB Banking or Payify have ads?
Neither VÚB Banking nor Payify shows ads.
Which is updated more often, VÚB Banking or Payify?
VÚB Banking ships an update every 6 weeks, and Payify monthly. Most recently, VÚB Banking was updated on October 7, 2026 and Payify on October 6, 2026.

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