# PayPal vs OnePay

PayPal and OnePay both sit at 4.8 stars, but that hides the real split: 61% of OnePay's written reviews are positive against 21% of PayPal's. OnePay also leads on ads (none vs shown). PayPal's advantage is ratings volume (6.3M vs 480K). On price, rating, update cadence 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.

On the App Store both sit at effectively the same score — 4.8 for PayPal against 4.9 for OnePay. That said, the two scores are not equally well evidenced: PayPal has 6.3M ratings behind it against 480K, so its average is the more settled of the two. Written reviews are what separate them: 21% of PayPal's written reviews are positive against 61% of OnePay's.

PayPal ships an update weekly, OnePay every 6 days. Both last shipped on October 29, 2026.

## The numbers

| Metric | PayPal | OnePay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (6.3M ratings)](https://appshunter.io/ios/app/paypal-pay-send-save/id283646709/reviews) | **[4.9 (480K ratings)](https://appshunter.io/ios/app/onepay-mobile-banking/id1494523953/reviews)** |
| Number of ratings | **6.3M** | 480K |
| Positive reviews | 20.7% of reviews | **61.0% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Weekly | **Every 6 days** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Best chart rank | **#4** | #7 |
| Size | 799 MB | 187 MB |
| Requires iOS | 17.4 | **16.4** |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 4+ |
| Developer | [PayPal, Inc.](https://appshunter.io/developer/283646712) | [One Finance, Inc.](https://appshunter.io/developer/1477126814) |

## What reviewers say

### PayPal

[App page](https://appshunter.io/ios/app/paypal-pay-send-save/id283646709)

**Currently charting:** #4 Top Free · Finance, #45 Top Free (US App Store)

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:** Safari Extension, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Extremely effective and reliable crypto recovery service
- 🔒 Secure payment processing
- 💰 Convenient way to send and receive money
- 👍 Easy to use app with simple interface

**What reviewers complain about**

- 🐛 Inconsistent customer support responses
- 🕰️ Slow money transfer times
- 💳 Holds on funds for new accounts
- 🤖 Overly automated with lack of human interaction

**Reported bugs**

- Account limitations and freezes with unclear reasons
- Issues linking bank accounts and cards
- Problems with refunds and chargebacks

**Requested features**

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


### OnePay

[App page](https://appshunter.io/ios/app/onepay-mobile-banking/id1494523953)

**Currently charting:** #7 Top Free · Finance, #95 Top Free (US App Store)

Manage your finances with a mobile banking solution offering early pay, rewards, and high-yield savings. Access a cash rewards credit card, affordable wireless plans, and a credit builder loan. Buy now, pay later options are also available.

**Highlights:** Early pay and rewards, High-yield savings accounts, Cash back credit card, Affordable wireless plans, Credit builder loan, Buy now, pay later

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Efficient banking features
- 🔒 Secure transactions
- 👍 Intuitive user interface
- 💡 Useful budgeting tools
- 🤑 Generous cash back and rewards

**What reviewers complain about**

- 🐛 Unreliable app performance
- 🤯 Frustrating account changes
- 🤔 Lack of transparency
- 🙅‍♀️ Poor customer service
- 💸 Unexpected fees and charges

**Reported bugs**

- Frequent app crashes
- Delayed transaction updates
- Issues with account access
- Incorrect account balances

**Requested features**

- Mobile check deposit
- Instant fund transfers
- More customization options
- Improved transaction search
- Joint account management


## Frequently asked questions

### Is PayPal free?

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

### Is OnePay free?

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

### Which has better reviews, PayPal or OnePay?

OnePay is rated higher. PayPal averages 4.8 out of 5 from 6.3M ratings, while OnePay averages 4.9 from 480K ratings.

### Do PayPal or OnePay have ads?

PayPal shows ads; OnePay does not.

### Which is updated more often, PayPal or OnePay?

PayPal ships an update weekly, and OnePay every 6 days. Most recently, PayPal was updated on October 29, 2026 and OnePay on October 29, 2026.

### Which is more popular, PayPal or OnePay?

PayPal currently peaks at #4 in the App Store charts, and OnePay at #7. Chart position reflects recent download velocity rather than total install base.

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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.*