# VyStar Mobile vs Time ROI

The clearest difference is in-app purchases: VyStar Mobile at none against Time ROI's 2. VyStar Mobile also leads on iOS requirement (12.0 vs 15.1). Time ROI's advantage is ads (none vs shown). On price, update cadence and device support there is nothing between them.

Both are free to download. Time ROI sells 2 in-app purchases, starting at $4.99 per month. VyStar Mobile asks for nothing beyond the download.

VyStar Mobile ships an update every 5 weeks, Time ROI every 3 weeks. The most recent releases landed on October 25, 2026 and October 10, 2026 respectively.

## The numbers

| Metric | VyStar Mobile | Time ROI |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (24K ratings)](https://appshunter.io/ios/app/vystar-mobile/id1580123340/reviews)** | — |
| Number of ratings | **24K** | — |
| Positive reviews | 22.1% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 5 weeks | **Every 3 weeks** |
| Monetization | Free | — |
| Size | 48 MB | 60 MB |
| Requires iOS | **12.0** | 15.1 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [VyStar Credit Union](https://appshunter.io/developer/401713641) | [Eric Head](https://appshunter.io/developer/1875747118) |

## What reviewers say

### VyStar Mobile

[App page](https://appshunter.io/ios/app/vystar-mobile/id1580123340)

Manage your finances conveniently from your mobile device. This app allows you to handle bill payments, transfer funds between accounts, and track your transaction history. You can also customize alerts and manage your account display.

**Highlights:** Bill Pay setup and management, Transfer funds to/from other institutions, Search and download transactions, Set up and manage alerts, Show/hide accounts, Edit account nicknames

**In-app purchases:** none

**What reviewers like**

- 💻 Easy to use
- 🔒 Secure banking
- 🚀 Convenient mobile banking
- 🏦 Great credit union

**What reviewers complain about**

- 🐛 Frequent crashes and bugs
- ⏱️ Slow performance and load times
- 🔑 Frustrating login issues
- 🤖 Unreliable app updates
- 🚫 Missing key features

**Reported bugs**

- Incorrect account balances
- Inability to log in or access accounts
- Broken mobile deposit functionality
- Inconsistent app behavior

**Requested features**

- Internal transfer improvements
- Seamless Zelle integration
- Customizable account views
- Improved mobile check deposit


### Time ROI

[App page](https://appshunter.io/ios/app/time-roi/id6764358859)

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| True ROI Pro Monthly | $4.99 | per month |
| True ROI Pro Annual | $39.99 | per year |


## Frequently asked questions

### Is VyStar Mobile free?

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

### Is Time ROI free?

Time ROI is free to download, with in-app purchases available.

### Do VyStar Mobile or Time ROI have ads?

VyStar Mobile shows ads; Time ROI does not.

### Which is updated more often, VyStar Mobile or Time ROI?

VyStar Mobile ships an update every 5 weeks, and Time ROI every 3 weeks. Most recently, VyStar Mobile was updated on October 25, 2026 and Time ROI 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.*