Comparison

SJP vs PayStream Umbrella

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

SJP

Manage your investments with a secure and user-friendly mobile application. Track the performance of your pension, ISAs, and bonds, view current investment values, and access expert insights and personal documents.

Highlights
  • Biometric sign-in
  • Real-time investment values
  • Performance tracking (pension, ISAs, bonds)
  • Fund breakdown details
  • Expert insights
  • Personal document library
Features
Read full description

The SJP app, a simple, safe, and convenient way to keep track of your investments. As a client of SJP you can benefit from easy access to the following great features: - Simple sign-up process - Biometric sign in - Get current values on your investments including encashment values - See deposits and withdrawals - Track how your pension, ISAs, bonds and more are performing - See more detail with fund breakdowns - Get invaluable information from our experts in the insights section - Read the latest correspondence from us in your personal document library By installing this app, you are agreeing to SJP’s Privacy and Cookies Policy. For more information about how SJP processes your personal data please see SJP’s Privacy and Cookies Policy at https://www.sjp.co.uk/privacy-policy. About St. James’s Place. SJP offers clear financial advice and knowledge to create confidence. We’re here to help you and your money go further ¬– and do better. With us to guide you, you can create a future, and a world, that you believe in. (Please see our website for full terms and conditions. T&Cs apply.) St. James’s Place Wealth Management plc is authorised and regulated by the Financial Conduct Authority. Registered Office: St. James’s Place House, 1 Tetbury Road, Cirencester, GL7 1FP. Registered in England No. 04113955

About

PayStream Umbrella

Manage your contracting employment with real-time payment updates, payslip downloads, and personal detail management. Submit timesheets, track holiday pay, and access important documents like contracts and P60s. Get support via in-app chat and refer colleagues for bonuses.

Highlights
  • Real-time payment updates
  • Downloadable payslips
  • Update personal details
  • In-app messenger support
  • Timesheet submission
  • Holiday pay claims
  • View employment documents
Read full description

The PayStream app has been designed to help contractors take control of their employment by putting everything they need at their fingertips. From updating personal details to receiving real-time payment information, you name it, our app has got it. Payslips Get real time updates regarding your upcoming pay. You can also download payslips and view a complete breakdown of how your pay has been calculated while on the go. Personal Details & notifications There’s no need to call in or drop us an email, you can update your personal details as and when required all within the app. And personalise your notifications so you only receive a notification for things that are real interest to you. Online chat Our team are on hand to provide any help or advice that you need via our in app messenger service. Recommend a colleague Check the status of any colleagues you’ve referred and refer anyone else that you’d also like to benefit from our service, whilst earning yourself a £50 bonus. Timesheet submission As and when required, submit your hours worked on our timesheet portal 24/7 to avoid any delays with processing your pay. Holiday pay Find out how many holidays you’ve accrued and make a holiday pay claim quickly and easily View important documents Your employment contract, P60s, assignments, plus much more are all available to view 24/7

Screenshots

SJP4 screens
PayStream Umbrella4 screens

Verdict

The call

The clearest difference is iOS requirement: PayStream Umbrella at 15.1 against SJP's 17.0. On price, review sentiment, update cadence and ads 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

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on October 21, 2026 and October 13, 2026 respectively.

Scorecard1 real difference · 7 level
SJP versus PayStream Umbrella: the parameters behind the verdict, then further details
ParameterSJPPayStream Umbrella
PriceFreeFree
Positive reviews17.4% of reviews — better14.3% of reviews
Update frequencyEvery 2 monthsEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPod
Requires iOS17.015.1 — better
Further details — not scored
Size116 MB40 MB
Age rating4+4+
DeveloperSt. James's PlacePayStream Accounting Services Limited

Customer experience

SJP

Written reviews69 reviews
Positive17.4%
Neutral8.7%
Negative73.9%

PayStream Umbrella

Written reviews7 reviews
Positive14.3%
Neutral14.3%
Negative71.4%

In-app purchases

None

SJP

No in-app purchases

None

PayStream Umbrella

No in-app purchases

Questions

Is SJP free?
SJP is free to download, with no in-app purchases.
Is PayStream Umbrella free?
PayStream Umbrella is free to download, with no in-app purchases.
Do SJP or PayStream Umbrella have ads?
Neither SJP nor PayStream Umbrella shows ads.
Which is updated more often, SJP or PayStream Umbrella?
SJP ships an update every 2 months, and PayStream Umbrella every 2 months. Most recently, SJP was updated on October 21, 2026 and PayStream Umbrella on October 13, 2026.

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