# VÚB Banking vs Payify

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.

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

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

## The numbers

| Metric | VÚB Banking | Payify |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.0 (44 ratings)](https://appshunter.io/ios/app/vub-banking/id1560712486/reviews)** | — |
| Number of ratings | **44** | — |
| Positive reviews | 2.2% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Monthly** |
| Monetization | Free | — |
| Size | 216 MB | 19 MB |
| Requires iOS | **13.0** | 17.6 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [VÚB, a.s.](https://appshunter.io/developer/645513420) | [ERX CONNECT](https://appshunter.io/developer/1857256598) |

## What reviewers say

### VÚB Banking

[App page](https://appshunter.io/ios/app/vub-banking/id1560712486)

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:** macOS Compatibility, Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🎨 Modern visual design and interface refresh
- 🔒 Enhanced security features (6-digit PIN, card locking)
- ⚡ Quick payment notifications
- 📱 Responsive design for mobile devices

**What reviewers complain about**

- 🐢 Extremely slow performance and loading times
- 🗺️ Confusing and chaotic navigation
- 📉 Significant loss of features from previous app
- 🔄 Unreliable transaction history and delayed updates
- ❌ Missing business account support

**Reported bugs**

- 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

**Requested features**

- 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


### Payify

[App page](https://appshunter.io/ios/app/payify-subscription-tracker/id6759961990)

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Coffee Small | $4.99 | one-time |
| Coffee Medium | $9.99 | one-time |
| Coffee Big | $24.99 | one-time |


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*