# Scarlet App vs h.way

The clearest difference is rating: Scarlet App at 4.7 against h.way's 3.5. Scarlet App also leads on ratings volume (1.7K vs 99). h.way's advantage is iOS requirement (9.0 vs 15.0). On price, review sentiment, update cadence and ads there is nothing between them.

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

Scarlet App holds the better App Store score, 4.7 against 3.5. That said, the two scores are not equally well evidenced: Scarlet App has 1.7K ratings behind it against 99, so its average is the more settled of the two. Written reviews point the same way: 50% of Scarlet App's written reviews are positive against 47% of h.way's.

Scarlet App ships an update monthly, h.way every 3 weeks. The most recent releases landed on October 25, 2026 and October 23, 2026 respectively.

## The numbers

| Metric | Scarlet App | h.way |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (1.7K ratings)](https://appshunter.io/ios/app/scarlet-app/id1572651177/reviews)** | [3.5 (99 ratings)](https://appshunter.io/ios/app/hway/id1635450512/reviews) |
| Number of ratings | **1.7K** | 99 |
| Positive reviews | **50.0% of reviews** | 47.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 39 MB | 310 MB |
| Requires iOS | 15.0 | **9.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [HI Technology Corp](https://appshunter.io/developer/804191919) | [numi apps](https://appshunter.io/developer/1635450514) |

## What reviewers say

### Scarlet App

[App page](https://appshunter.io/ios/app/scarlet-app/id1572651177)

This app helps you build healthy financial habits with tools for budgeting and saving. Easily manage your bank account on the go, access your balance, and view transactions. Earn rewards on purchases and get paid faster.

**Highlights:** Budgeting tools, Saving goals, Direct Deposit up to 2 days faster, Mobile Check Capture, Walgreens Cash Rewards, Free ATM withdrawals

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 💰 Cash back at Walgreens
- 🚀 Convenient locations
- 📱 Great app experience
- 💳 Helpful for managing money

**What reviewers complain about**

- 🐛 Technical issues
- 💰 Hidden fees
- 🔒 Difficulty closing account
- 🤖 Poor customer service
- 🚫 Limited functionality

**Reported bugs**

- Inability to view balance
- Disappearing transaction history
- Failed account registration
- Barcode loading issues

**Requested features**

- Ability to make loans
- Temporary debit card option
- Faster money loading times
- Wider acceptance at merchants


### h.way

[App page](https://appshunter.io/ios/app/hway/id1635450512)

This app offers a banking experience designed for your community, allowing you to manage money without minimum balances or surcharges. It provides a Mastercard debit card with identity theft protection, early payday access, and fee-free ATM withdrawals. Funds are FDIC-insured for your security.

**Highlights:** No SSN required for signup, No minimum balance or surcharges, FDIC-insured funds, Mastercard debit card with ID theft protection, Early payday access, Fee-free ATM network, Instant money transfers

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Scarlet App free?

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

### Is h.way free?

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

### Which has better reviews, Scarlet App or h.way?

Scarlet App is rated higher. Scarlet App averages 4.7 out of 5 from 1.7K ratings, while h.way averages 3.5 from 99 ratings.

### Do Scarlet App or h.way have ads?

Neither Scarlet App nor h.way shows ads.

### Which is updated more often, Scarlet App or h.way?

Scarlet App ships an update monthly, and h.way every 3 weeks. Most recently, Scarlet App was updated on October 25, 2026 and h.way on October 23, 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.*