# AFNO vs PayByPocket

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.

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.

## The numbers

| Metric | AFNO | PayByPocket |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.1 (14 ratings)](https://appshunter.io/ios/app/afno/id1587503504/reviews) | **[4.8 (38 ratings)](https://appshunter.io/ios/app/paybypocket/id6444778240/reviews)** |
| Number of ratings | 14 | **38** |
| Positive reviews | 25.0% of reviews | **75.0% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 16 months | **Every 5 weeks** |
| Monetization | Ad-supported | **Free** |
| Size | 29 MB | 50 MB |
| Requires iOS | **11.0** | 15.1 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [AFNO Financial Holdings Corporation](https://appshunter.io/developer/1587503506) | [Finaccept LLC](https://appshunter.io/developer/1656796168) |

## What reviewers say

### AFNO

[App page](https://appshunter.io/ios/app/afno/id1587503504)

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.

**Highlights:** Prepaid debit card, FDIC insured deposit account, Direct deposit support, Digital wallet integration, Everyday transaction capabilities

**Features:** macOS Compatibility

**In-app purchases:** none


### PayByPocket

[App page](https://appshunter.io/ios/app/paybypocket/id6444778240)

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.

**Highlights:** 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

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is AFNO free?

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

### Is PayByPocket free?

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

### Which has better reviews, AFNO or PayByPocket?

PayByPocket is rated higher. AFNO averages 2.1 out of 5 from 14 ratings, while PayByPocket averages 4.8 from 38 ratings.

### Do AFNO or PayByPocket have ads?

AFNO shows ads; PayByPocket does not.

### Which is updated more often, AFNO or PayByPocket?

AFNO ships an update every 16 months, and PayByPocket every 5 weeks. Most recently, AFNO was updated on October 24, 2026 and PayByPocket on October 25, 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.*