PickTrace PayCard vs HAPO Debit
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PickTrace PayCard
Access your finances securely and conveniently. View your card balance, track incoming payments, and monitor all your transaction activity from in-store purchases to ATM withdrawals.
- View card balance
- Track incoming payments
- Monitor transaction history
- In-store and online purchases
- ATM withdrawals
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Easily and securely access your finances with the PickTrace PayCard App. You can view your card balance and transaction history. Card balance: - When you get paid by your employer, you will see funds added to your PayCard balance. Transactions: - Use your card for purchases in-store and online, as well as for ATM withdrawals. Then, you can easily track all transaction activity in the app.
HAPO Debit
Manage your debit card with this companion app. Create a new username and password to access card-specific features, enhancing your mobile banking experience.
- Debit card management
- New username/password creation
- Companion to mobile banking app
- Enhanced card benefits
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For the HAPO Debit app, you will create a new username and password. Use this app in addition to the HAPO Mobile Banking app to get the most benefit out of your card.
Screenshots
Verdict
The clearest difference is review sentiment: PickTrace PayCard at 100% against HAPO Debit's 0%. PickTrace PayCard also leads on update cadence (fortnightly vs every 10 months). HAPO Debit's advantage is rating (4.6 vs 4.3) and ratings volume (151 vs 20). On price, ads, in-app purchases and monetization model 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.
HAPO Debit holds the better App Store score, 4.6 against 4.3. That said, the two scores are not equally well evidenced: HAPO Debit has 151 ratings behind it against 20, so its average is the more settled of the two. Written reviews complicate that: 100% of PickTrace PayCard's written reviews are positive against 0% of HAPO Debit's, so the app with the better star average is not the one people write more warmly about.
PickTrace PayCard ships an update fortnightly, HAPO Debit every 10 months. The most recent releases landed on October 14, 2026 and October 20, 2026 respectively.
| Parameter | PickTrace PayCard | HAPO Debit |
|---|---|---|
| Price | Free | Free |
| Rating | 4.3 (20 ratings) | 4.6 (151 ratings) — better |
| Positive reviews | 100.0% of reviews — better | 0.0% of reviews |
| Number of ratings | 20 | 151 — better |
| Update frequency | Fortnightly — better | Every 10 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone | iPhone |
| Requires iOS | 16.0 | 16.0 |
| Further details — not scored | ||
| Size | 56 MB | 73 MB |
| Age rating | 4+ | 4+ |
| Developer | PickTrace, Inc. | HAPO Community Credit Union |
Customer experience
PickTrace PayCard
HAPO Debit
In-app purchases
PickTrace PayCard
No in-app purchases
HAPO Debit
No in-app purchases
Questions
Is PickTrace PayCard free?
Is HAPO Debit free?
Which has better reviews, PickTrace PayCard or HAPO Debit?
Do PickTrace PayCard or HAPO Debit have ads?
Which is updated more often, PickTrace PayCard or HAPO Debit?
Other comparisons
