# MobileTMS vs PFCU

The clearest difference is rating: PFCU at 4.8 against MobileTMS's 2.8. PFCU also leads on review sentiment (67% vs 42%) and ratings volume (821 vs 24). MobileTMS's advantage is monetization model (free vs ad-supported) and iOS requirement (11.0 vs 18.4). 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.

PFCU holds the better App Store score, 4.8 against 2.8. That said, the two scores are not equally well evidenced: PFCU has 821 ratings behind it against 24, so its average is the more settled of the two. Written reviews point the same way: 42% of MobileTMS's written reviews are positive against 67% of PFCU's.

MobileTMS ships an update every 2 months, PFCU monthly. The most recent releases landed on July 28, 2026 and September 24, 2026 respectively.

## The numbers

| Metric | MobileTMS | PFCU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.8 (24 ratings)](https://appshunter.io/ios/app/mobiletms-switch-commerce/id365340030/reviews) | **[4.8 (821 ratings)](https://appshunter.io/ios/app/pfcu/id6450965678/reviews)** |
| Number of ratings | 24 | **821** |
| Positive reviews | 41.7% of reviews | **66.7% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Monthly** |
| Monetization | **Free** | Ad-supported |
| Size | 17 MB | 177 MB |
| Requires iOS | **11.0** | 18.4 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Switch Commerce](https://appshunter.io/developer/365340034) | [Platinum Federal Credit Union](https://appshunter.io/developer/477217570) |

## What reviewers say

### MobileTMS

[App page](https://appshunter.io/ios/app/mobiletms-switch-commerce/id365340030)

Manage your ATM portfolio remotely with real-time transaction data, alerts, and reporting. Create new terminals and adjust surcharge amounts directly from your mobile device. Locate ATMs for yourself and your customers using GPS.

**Highlights:** Real-time transaction data, Terminal locator, Real-time alerts, Easy terminal creation, Voice commands, Terminal picture upload

**Features:** macOS Compatibility

**In-app purchases:** none


### PFCU

[App page](https://appshunter.io/ios/app/pfcu/id6450965678)

Manage your finances with this personal financial advocate. Organize transactions with tags and photos, set balance alerts, make payments, and transfer money. Deposit checks, manage debit cards, and aggregate accounts securely.

**Highlights:** Organize transactions with tags, notes, and photos, Set custom balance alerts, Make payments and transfer money, Deposit checks via photo, Manage debit cards (reorder/turn off), Aggregate financial accounts, Secure login with passcode or biometrics

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is MobileTMS free?

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

### Is PFCU free?

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

### Which has better reviews, MobileTMS or PFCU?

PFCU is rated higher. MobileTMS averages 2.8 out of 5 from 24 ratings, while PFCU averages 4.8 from 821 ratings.

### Do MobileTMS or PFCU have ads?

Neither MobileTMS nor PFCU shows ads.

### Which is updated more often, MobileTMS or PFCU?

MobileTMS ships an update every 2 months, and PFCU monthly. Most recently, MobileTMS was updated on July 28, 2026 and PFCU on September 24, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*