# OwnBank vs PPHL

The clearest difference is update cadence: OwnBank at fortnightly against PPHL's every 5 weeks. PPHL's advantage is iOS requirement (13.0 vs 15.0). On price, ads, 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.

OwnBank ships an update fortnightly, PPHL every 5 weeks. The most recent releases landed on October 24, 2026 and October 18, 2026 respectively.

## The numbers

| Metric | OwnBank | PPHL |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.8 (8 ratings)](https://appshunter.io/ios/app/ownbank/id1623288463/reviews)** | — |
| Number of ratings | **8** | — |
| Positive reviews | 37.5% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 5 weeks |
| Monetization | Free | — |
| Size | 120 MB | 148 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [OWN BANK, THE RURAL BANK OF CAVITE CITY, INC.](https://appshunter.io/developer/1623288465) | [Hayden Cassar](https://appshunter.io/developer/1329470709) |

## What reviewers say

### OwnBank

[App page](https://appshunter.io/ios/app/ownbank/id1623288463)

Manage all your financial needs with a transparent and easy-to-use platform. Open an account online in minutes, manage multiple accounts, build wealth with simple deposits, and enjoy free money transfers to friends and family.

**Highlights:** Open account online in 10 minutes, Manage multiple accounts easily, Build wealth with simple deposits, Open time deposit accounts, Free money transfers, Transparent and easy finances

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

**In-app purchases:** none


### PPHL

[App page](https://appshunter.io/ios/app/pphl/id6448482928)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is OwnBank free?

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

### Is PPHL free?

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

### Do OwnBank or PPHL have ads?

Neither OwnBank nor PPHL shows ads.

### Which is updated more often, OwnBank or PPHL?

OwnBank ships an update fortnightly, and PPHL every 5 weeks. Most recently, OwnBank was updated on October 24, 2026 and PPHL on October 18, 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.*