# Wio Personal vs HAL Pay

The clearest difference is device support: HAL Pay at 3 against Wio Personal's 1. On price, update cadence, ads and in-app purchases there is nothing between them.

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

Wio Personal ships an update every 11 days, HAL Pay fortnightly. The most recent releases landed on September 25, 2026 and August 3, 2026 respectively.

## The numbers

| Metric | Wio Personal | HAL Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (657 ratings)](https://appshunter.io/ios/app/wio-personal/id1658472726/reviews)** | — |
| Number of ratings | **657** | — |
| Positive reviews | 43.4% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 11 days** | Fortnightly |
| Monetization | Free | — |
| Size | 417 MB | 40 MB |
| Requires iOS | 16.0 | **15.6** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [WIO BANK P.J.S.C](https://appshunter.io/developer/1622363879) | [HALSIMPLIFY SOLUTIONS PRIVATE LIMITED](https://appshunter.io/developer/709229910) |

## What reviewers say

### Wio Personal

[App page](https://appshunter.io/ios/app/wio-personal/id1658472726)

Manage your finances comprehensively with a single platform. Save, spend, borrow, and invest across multiple currencies. Earn interest on savings, receive cashback on spending, and access global markets for stocks and crypto.

**Highlights:** Multi-currency accounts, Interest on savings, Debit and credit card, Cashback rewards, International money transfers, Stock and crypto investing, Virtual and physical cards

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

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly interface
- 🚀 Easy setup
- 💡 Innovative features
- 🚀 Excellent performance
- 🚀 Cutting-edge banking app

**What reviewers complain about**

- 🐛 Frequent app updates causing issues
- 🔍 Difficult to find basic information
- 🔍 Cluttered and bloated UI
- 🔍 Restricted selling options in investing
- 🔍 Inconsistent cashback rewards

**Reported bugs**

- Camera issues during account verification
- Login problems and app crashes
- Lost data when navigating away during beneficiary addition
- Pending transfers with no clear resolution timeline

**Requested features**

- Ability to permanently remove unused features
- More customization options for the UI
- Improved customer support and responsiveness
- Seamless integration of banking and investment features
- Ability to export transactions to Excel


### HAL Pay

[App page](https://appshunter.io/ios/app/hal-pay/id6736759821)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Wio Personal free?

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

### Is HAL Pay free?

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

### Do Wio Personal or HAL Pay have ads?

Neither Wio Personal nor HAL Pay shows ads.

### Which is updated more often, Wio Personal or HAL Pay?

Wio Personal ships an update every 11 days, and HAL Pay fortnightly. Most recently, Wio Personal was updated on September 25, 2026 and HAL Pay on August 3, 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.*