Comparison

PayPal vs I Am Saving

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

Head to head
About

PayPal

Manage your finances with a secure app for online and in-store shopping, sending money globally, and earning cash back. It also offers savings accounts, cryptocurrency trading, and package tracking.

Highlights
  • Send and receive money globally
  • Earn cash back offers
  • Request a debit card
  • Buy, sell, and hold cryptocurrency
  • High-yield savings accounts
  • Track packages
Features
Read full description

PayPal is a smart way to securely shop in-store and online, earn rewards points on brands you love, send money and much more.​ SHOP WITH PURCHASE PROTECTION Get built-in protection before and after you buy, with support when something doesn't go as planned. *PayPal Purchase Protection is available on eligible transactions. See terms and limitations: https://www.paypal.com/us/legalhub/paypal/buyer-protection​ EARN POINTS ON EVERYDAY PURCHASES WITH THE PAYPAL DEBIT CARD   Choose a monthly category and earn 5% back in rewards points on up to $1000 spend/month. Terms apply: http://paypal.com/rewardspal  No monthly fees. The PayPal Debit Mastercard® is issued by The Bancorp Bank N.A. ("The Bancorp"), pursuant to a license by Mastercard International Incorporated and may be used everywhere Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. The Bancorp is issuer of the Card only and not responsible for the associated accounts or other products, services, or offers from PayPal. PayPal is a financial technology company, not a bank. The Card is linked to your PayPal Balance account. See PayPal Balance Terms and Conditions: https://www.paypal.com/us/legalhub/pp-balance-tnc#holding​ SEND AND REQUEST MONEY, SECURELY & IN SECONDS Send money fast within the US and internationally to 110+ countries. Encrypted payments help keep financial details private and secure.​ BUY NOW PAY LATER In store single-use card is valid for one purchase and must be used within 24 hours of loan approval. *Pay in 4 is available upon approval for purchases of $10 - $2000 and is currently not available to residents of MO. 18 years old or older to apply. The lender for Pay in 4 is PayPal, Inc. (NMLS #910457).  Loans to CA residents are made or arranged pursuant to a CA Financing Law License. RI Small Loan Lender Licensee. NM residents: Go to paypal.com/us/webapps/mpp/campaigns/newmexicodisclosure. Learn more at paypal.com/payin4. TRACK YOUR PACKAGES View orders and delivery status until they arrive safely at your door. Not all sellers are participants.​   MANAGE YOUR SUBSCRIPTION ALL IN ONE APP The easy way to link and track all your subscriptions. ALL YOUR MONEY AND TRANSACTIONS IN ONE PLACE The new Me Tab lets you navigate your money, accounts, and settings right where you’d expect them. PayPal 2211 N 1st St San Jose, CA 95131

About

I Am Saving

This app helps children learn to save money by setting savings goals, tracking income and expenses, and visualizing progress. It encourages good financial habits and congratulates users upon reaching their goals.

Highlights
  • Set savings goals
  • Track income and expenses
  • Visualize savings progress
  • Adjust goals anytime
  • Congratulates on achievement
  • Encourages good habits
Features
Read full description

If you give your child pocket money on a weekly basis, this app will help them learn to save. A parent or a child sets up a saving goal by telling the app what they'd like to save for, how much it costs, how much money they have now and how much they receive weekly. The app then visualizes the progress and tells the child mow long then need to keep saving. The app also helps form a good habit of logging incomes and outcomes. Every time the child receives pocket money or spends some, they open the app and input how much money they received or spent. After doing that, they see an updated progress towards their saving goal. The goal can be adjusted any time: may be the price of the thing they want has changed or you opted to start giving them a different amount of money every week. May the kid just changed their mind, that's totally fine. Finally, when the child has saved enough to buy what they wanted, the app congratulates them with their achievement and offers to set up a new goal. NOTE FOR PARENTS Help you child setting up their goal for the first time and encourage them to save by offering them a piggy bank or something similar. The app works best for children of ages 6–12. If the child doesn't yet know how to count money, offer them your help. PRIVACY We're taking children's privacy very seriously. The app does not collect or send any data. Nobody except you have access to your data. You own it and it stays on your device.

Screenshots

PayPal4 screens
I Am Saving4 screens

Verdict

The call

The clearest difference is review sentiment: I Am Saving at 85% against PayPal's 21%. I Am Saving also leads on ads (none vs shown). PayPal's advantage is in-app purchases (none vs 1) and update cadence (weekly vs every 4 months). On price, monetization model, device support and iOS requirement 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. I Am Saving sells 1 one-off in-app purchase. PayPal asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

PayPal holds the better App Store score, 4.8 against 4.5. That said, the two scores are not equally well evidenced: PayPal has 6.3M ratings behind it against 126, so its average is the more settled of the two. Written reviews complicate that: 21% of PayPal's written reviews are positive against 85% of I Am Saving's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

PayPal ships an update weekly, I Am Saving every 4 months. The most recent releases landed on September 25, 2026 and September 21, 2026 respectively.

Scorecard7 real differences · 4 level
PayPal versus I Am Saving: the parameters behind the verdict, then further details
ParameterPayPalI Am Saving
PriceFreeFree
Rating4.8 (6.3M ratings) — better4.5 (126 ratings)
Positive reviews21.4% of reviews85.4% of reviews — better
Number of ratings6.3M — better126
Update frequencyWeekly — betterEvery 4 months
AdsYesNo — better
In-app purchasesNo — betterYes
MonetizationFree with in-app purchasesFree with in-app purchases
Best chart rank#6 — better—
DevicesiPhoneiPhone, iPad — better
Requires iOS17.416.0 — better
Further details — not scored
Size767 MB19 MB
Age rating4+4+
DeveloperPayPal, Inc.Vadim Belyaev

Customer experience

PayPal

All ratings6,298,685 ratings
Positive95.2%
Neutral1.8%
Negative3.0%
Written reviews5,638 reviews
Positive21.4%
Neutral5.1%
Negative73.5%

I Am Saving

All ratings126 ratings
Positive88.1%
Neutral2.4%
Negative9.5%
Written reviews48 reviews
Positive85.4%
Neutral8.3%
Negative6.3%

Bugs and requests

PayPal

Reported bugs

3 issues
  • Account limitations and freezes with unclear reasons
  • Issues linking bank accounts and cards
  • Problems with refunds and chargebacks

Requested features

4 requests
  • Faster money transfers
  • More transparent policies and fees
  • Improved dispute resolution process
  • Better customer service accessibility

I Am Saving

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

PayPal

No in-app purchases

1 purchases

I Am Saving

One-time1
  • Full Version$5.99

Questions

Is PayPal free?
PayPal is free to download, with no in-app purchases.
Is I Am Saving free?
I Am Saving is free to download, with in-app purchases available.
Which has better reviews, PayPal or I Am Saving?
PayPal is rated higher. PayPal averages 4.8 out of 5 from 6.3M ratings, while I Am Saving averages 4.5 from 126 ratings.
Do PayPal or I Am Saving have ads?
PayPal shows ads; I Am Saving does not.
Which is updated more often, PayPal or I Am Saving?
PayPal ships an update weekly, and I Am Saving every 4 months. Most recently, PayPal was updated on September 25, 2026 and I Am Saving on September 21, 2026.

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