AFNO vs PayByPocket
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
AFNO
Manage your finances with a prepaid debit card and FDIC-insured deposit account. Receive direct deposits, add your card to digital wallets, and make everyday transactions.
- Prepaid debit card
- FDIC insured deposit account
- Direct deposit support
- Digital wallet integration
- Everyday transaction capabilities
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AFNO is a prepaid debit card application. The app provides users with access to FDIC insured demand deposit account with a routing and account number where they can receive direct deposits, add their card to digital wallet, use their card to make day to day transactions.
PayByPocket
Load funds via credit or debit card and make payments at participating locations or anywhere Discover is accepted. Use QR codes in-store or add your account to digital wallets for online and in-store purchases.
- Load funds with credit/debit cards
- Pay at participating Pocket locations
- Use wherever Discover is accepted
- In-store QR code payments
- Add to Apple Wallet/Google Pay
- Online and in-store purchases
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Simply enroll (for free), fill your pocket (load funds) by credit card or debit card, and pay. Use at any participating Pocket location or wherever Discover™ is accepted. Payment at participating Pocket locations is done in-store via QR code. Payment at Discover™ locations is done by adding your Pocket account to your Apple Wallet or Google Pay account, and making purchases in-store or online.
Screenshots
Verdict
The clearest difference is review sentiment: PayByPocket at 75% against AFNO's 25%. PayByPocket also leads on rating (4.8 vs 2.1) and ads (none vs shown). AFNO's advantage is iOS requirement (11.0 vs 15.1). On price, ratings volume, in-app purchases 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
PayByPocket holds the better App Store score, 4.8 against 2.1. Both are backed by a comparable volume of ratings — 14 and 38 respectively. Written reviews point the same way: 25% of AFNO's written reviews are positive against 75% of PayByPocket's.
AFNO ships an update every 16 months, PayByPocket every 5 weeks. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.
| Parameter | AFNO | PayByPocket |
|---|---|---|
| Price | Free | Free |
| Rating | 2.1 (14 ratings) | 4.8 (38 ratings) — better |
| Positive reviews | 25.0% of reviews | 75.0% of reviews — better |
| Number of ratings | 14 | 38 — better |
| Update frequency | Every 16 months | Every 5 weeks — better |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 11.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 29 MB | 50 MB |
| Age rating | 4+ | 17+ |
| Developer | AFNO Financial Holdings Corporation | Finaccept LLC |
Customer experience
AFNO
PayByPocket
In-app purchases
AFNO
No in-app purchases
PayByPocket
No in-app purchases
