# PickTrace PayCard vs HAPO Debit

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.

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.

## The numbers

| Metric | PickTrace PayCard | HAPO Debit |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.3 (20 ratings)](https://appshunter.io/ios/app/picktrace-paycard/id1643013907/reviews) | **[4.6 (151 ratings)](https://appshunter.io/ios/app/hapo-debit/id6452472427/reviews)** |
| Number of ratings | 20 | **151** |
| Positive reviews | **100.0% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 10 months |
| Monetization | Free | Free |
| Size | 56 MB | 73 MB |
| Requires iOS | 16.0 | 16.0 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [PickTrace, Inc.](https://appshunter.io/developer/1571789350) | [HAPO Community Credit Union](https://appshunter.io/developer/958668944) |

## What reviewers say

### PickTrace PayCard

[App page](https://appshunter.io/ios/app/picktrace-paycard/id1643013907)

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.

**Highlights:** View card balance, Track incoming payments, Monitor transaction history, In-store and online purchases, ATM withdrawals

**Features:** macOS Compatibility

**In-app purchases:** none


### HAPO Debit

[App page](https://appshunter.io/ios/app/hapo-debit/id6452472427)

Manage your debit card with this companion app. Create a new username and password to access card-specific features, enhancing your mobile banking experience.

**Highlights:** Debit card management, New username/password creation, Companion to mobile banking app, Enhanced card benefits

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is PickTrace PayCard free?

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

### Is HAPO Debit free?

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

### Which has better reviews, PickTrace PayCard or HAPO Debit?

HAPO Debit is rated higher. PickTrace PayCard averages 4.3 out of 5 from 20 ratings, while HAPO Debit averages 4.6 from 151 ratings.

### Do PickTrace PayCard or HAPO Debit have ads?

Neither PickTrace PayCard nor HAPO Debit shows ads.

### Which is updated more often, PickTrace PayCard or HAPO Debit?

PickTrace PayCard ships an update fortnightly, and HAPO Debit every 10 months. Most recently, PickTrace PayCard was updated on October 14, 2026 and HAPO Debit on October 20, 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.*