Comparison

PayPal vs NAB Mobile Banking

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

NAB Mobile Banking

Manage your finances on the go with this banking app. Check balances, make secure payments, transfer funds, and deposit cheques. Easily manage lost or stolen cards and access loan tools to track spending and savings goals.

Highlights
  • Check account balances
  • Make secure payments
  • Transfer money
  • Deposit cheques
  • Manage lost/stolen cards
  • Track spending
  • Create savings goals
Features
Read full description

With NAB’s Mobile Banking app, managing your money has never been easier. Download NAB’s banking app today and register your account to check balances, make secure payments, transfer money, view statements and more. Log in with fingerprint, Face ID, passcode or password. Join millions of NAB customers using the app and access exclusive offers with NAB Goodies. Make secure payments instantly: • Make fast instant payments or schedule future payments. • Share or save your payment receipts for your personal record. • View transaction and merchant details from NAB debit or credit card purchases. • Share your BSB and account details or create a PayID to quickly receive payments. • Save your regular payees and billers. Manage your transactions from one place: • Make payments with Apple Pay or tap to pay on compatible devices. • Receive notifications when you use your card, or money arrives in your account. • Quickly send and approve payments. • Scan and deposit cheques. • Send money overseas to 100+ countries. Manage lost or stolen cards and order a replacement: • Temporarily block, unblock, or permanently cancel a lost, stolen or damaged card, and order a replacement instantly. • Get a detailed breakdown of your repayment options. • Activate your new card or change your PIN at any time. • Control how your Visa cards are used - online, in-store, or overseas. Banking and loan tools to help you every day: • Create a virtual savings jars and track your progress towards your goals. • Track your spending and visualise where your money is going by category or merchant. • Set up a quick balance widget to see your account balances without logging in. • Download up to 2 years of statements, or create Proof of Balance, Interim or Interest statements. • Manage your Home Loan payments, offset accounts, or get an estimated property valuation. • Rollover your Term Deposit when it matures. • Open an additional banking or savings account in minutes. • Manage profiles for shared bank accounts and business accounts. • Get extra support from NAB help or chat to a banker.

Screenshots

PayPal4 screens
NAB Mobile Banking4 screens

Verdict

The call

The clearest difference is ads: NAB Mobile Banking at none against PayPal's shown. NAB Mobile Banking also leads on review sentiment (51% vs 21%) and monetization model (free vs free with in-app purchases). PayPal's advantage is ratings volume (6.3M vs 1.1K) and update cadence (weekly vs monthly). On price, rating, in-app purchases and device support 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. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.8 for PayPal against 4.8 for NAB Mobile Banking. That said, the two scores are not equally well evidenced: PayPal has 6.3M ratings behind it against 1.1K, 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 51% of NAB Mobile Banking's.

UpkeepUpdate frequency

PayPal ships an update weekly, NAB Mobile Banking monthly. Both last shipped on September 24, 2026.

Scorecard6 real differences · 5 level
PayPal versus NAB Mobile Banking: the parameters behind the verdict, then further details
ParameterPayPalNAB Mobile Banking
PriceFreeFree
Rating4.8 (6.3M ratings)4.8 (1.1K ratings)
Positive reviews21.4% of reviews51.4% of reviews — better
Number of ratings6.3M — better1.1K
Update frequencyWeekly — betterMonthly
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
Best chart rank#4 — better
DevicesiPhoneiPhone, iPad — better
Requires iOS17.416.0 — better
Further details — not scored
Size767 MB206 MB
Age rating4+4+
DeveloperPayPal, Inc.NAB

Customer experience

PayPal

All ratings6,298,685 ratings
Positive95.2%
Neutral1.8%
Negative3.0%
Written reviews5,622 reviews
Positive21.4%
Neutral5.1%
Negative73.4%

NAB Mobile Banking

All ratings1,067 ratings
Positive95.9%
Neutral1.1%
Negative3.0%
Written reviews665 reviews
Positive51.4%
Neutral10.2%
Negative38.3%

User reviews

PayPal

From 6.3M App Store ratings

What we love

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

Room to improve

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

NAB Mobile Banking

From 1.1K App Store ratings

What we love

  • 👍 Easy to use
  • 🚀 Convenient features
  • 🔒 Secure banking
  • 💡 Useful app updates

Room to improve

  • 🐛 Bugs and glitches
  • 🔍 Lacking advanced features
  • 🕰️ Slow performance
  • 🔒 Security concerns

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

NAB Mobile Banking

Reported bugs

4 issues
  • Frequent app crashes
  • Login issues
  • Unreliable quick balance widget
  • Compatibility problems with new devices

Requested features

4 requests
  • Dark mode option
  • Customizable widgets
  • Improved transaction details
  • Seamless overseas banking

In-app purchases

None

PayPal

No in-app purchases

None

NAB Mobile Banking

No in-app purchases

Questions

Is PayPal free?
PayPal is free to download, with no in-app purchases.
Is NAB Mobile Banking free?
NAB Mobile Banking is free to download, with no in-app purchases.
Which has better reviews, PayPal or NAB Mobile Banking?
PayPal and NAB Mobile Banking are both rated 4.8 out of 5 on the App Store, from 6.3M and 1.1K ratings respectively.
Do PayPal or NAB Mobile Banking have ads?
PayPal shows ads; NAB Mobile Banking does not.
Which is updated more often, PayPal or NAB Mobile Banking?
PayPal ships an update weekly, and NAB Mobile Banking monthly. Most recently, PayPal was updated on September 24, 2026 and NAB Mobile Banking on September 24, 2026.

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