# MyRaif vs SharPay

The clearest difference is review sentiment: SharPay at 83% against MyRaif's 18%. SharPay also leads on update cadence (every 8 days vs every 3 weeks). MyRaif's advantage is in-app purchases (none vs 2) and rating (4.8 vs 4.4). On price, ads, device support and iOS requirement there is nothing between them.

Both are free to download. SharPay sells 2 in-app purchases, starting at $2.99 per month. MyRaif asks for nothing beyond the download.

MyRaif holds the better App Store score, 4.8 against 4.4. That said, the two scores are not equally well evidenced: MyRaif has 1.3K ratings behind it against 11, so its average is the more settled of the two. Written reviews complicate that: 18% of MyRaif's written reviews are positive against 83% of SharPay's, so the app with the better star average is not the one people write more warmly about.

MyRaif ships an update every 3 weeks, SharPay every 8 days. The most recent releases landed on October 22, 2026 and October 9, 2026 respectively.

## The numbers

| Metric | MyRaif | SharPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (1.3K ratings)](https://appshunter.io/ios/app/myraif-mobile-bank/id1582978231/reviews)** | [4.4 (11 ratings)](https://appshunter.io/ios/app/sharpay-shared-expenses/id6448862939/reviews) |
| Number of ratings | **1.3K** | 11 |
| Positive reviews | 17.6% of reviews | **83.3% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 8 days** |
| Monetization | **Free** | Freemium |
| Size | 326 MB | 61 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [RAIFFEISEN BANK, JSC](https://appshunter.io/developer/627887079) | [SooNet](https://appshunter.io/developer/1413052708) |

## What reviewers say

### MyRaif

[App page](https://appshunter.io/ios/app/myraif-mobile-bank/id1582978231)

Manage your finances with this banking app. Open cards, make transfers, and control deposits. Features include transaction history, ATM/branch locator, insurance, and cashback options.

**Highlights:** Open and manage cards, Make card-to-card and IBAN transfers, Control deposits, Track spending and transaction history, Find ATMs and branches, Receive instant transaction notifications, Cashback and currency exchange

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


### SharPay

[App page](https://appshunter.io/ios/app/sharpay-shared-expenses/id6448862939)

Effortlessly manage and split shared expenses with friends and groups. Track spending, analyze habits with charts, and simplify bill settlements for trips, nights out, and more. Foster transparency and deepen connections without financial stress.

**Highlights:** Splitting Bills, Group Expenses Management, Finance Charts, Dividing Restaurant Payments, Automated Transaction Management, Expense Notifications, Secure Payment Options

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Plan | $2.99 | per month |
| Yearly Plan | $27.99 | per year |


## Frequently asked questions

### Is MyRaif free?

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

### Is SharPay free?

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

### Which has better reviews, MyRaif or SharPay?

MyRaif is rated higher. MyRaif averages 4.8 out of 5 from 1.3K ratings, while SharPay averages 4.4 from 11 ratings.

### Do MyRaif or SharPay have ads?

Neither MyRaif nor SharPay shows ads.

### Which is updated more often, MyRaif or SharPay?

MyRaif ships an update every 3 weeks, and SharPay every 8 days. Most recently, MyRaif was updated on October 22, 2026 and SharPay on October 9, 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.*