# Amica vs MDC Pay

Amica and MDC Pay both sit at 4.8 stars, but that hides the real split: 100% of MDC Pay's written reviews are positive against 38% of Amica's. Amica's advantage is ratings volume (7.9K vs 37). On price, rating, update cadence and ads 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 Amica against 4.9 for MDC Pay. That said, the two scores are not equally well evidenced: Amica has 7.9K ratings behind it against 37, so its average is the more settled of the two. Written reviews are what separate them: 38% of Amica's written reviews are positive against 100% of MDC Pay's.

Both ship on a similar rhythm, roughly fortnightly. The most recent releases landed on October 19, 2026 and October 13, 2026 respectively.

## The numbers

| Metric | Amica | MDC Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (7.9K ratings)](https://appshunter.io/ios/app/amica/id401000907/reviews) | **[4.9 (37 ratings)](https://appshunter.io/ios/app/mdc-pay/id6748356068/reviews)** |
| Number of ratings | **7.9K** | 37 |
| Positive reviews | 37.6% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Fortnightly | Fortnightly |
| Monetization | Free | Free |
| Size | 68 MB | 38 MB |
| Requires iOS | **15.0** | 16.4 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Amica Mutual Insurance Company](https://appshunter.io/developer/401000910) | [KUBRA Data Transfer](https://appshunter.io/developer/527959415) |

## What reviewers say

### Amica

[App page](https://appshunter.io/ios/app/amica/id401000907)

Manage your insurance policies, pay bills, and submit claims directly from your smartphone. Access policy details, view your auto ID card, and get roadside assistance with just a few taps. You can also get a new quote or contact customer service easily.

**Highlights:** Pay policy bills, Manage and track claims, Access policy information, View auto insurance ID card, Request roadside assistance, Get insurance quotes, Contact customer service

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

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly interface
- 🚀 Convenient access to policy information
- 💯 Excellent customer service
- 🔒 Secure authentication

**What reviewers complain about**

- 🐛 Frequent app crashes and freezes
- ⚠️ Unreliable and buggy features
- 🕰️ Slow performance and loading times
- 🔑 Frustrating login and authentication issues
- 💳 Limited payment options

**Reported bugs**

- Login screen freezes or shows system errors
- Blank screens and app crashes on launch
- Inability to access policy documents and information
- Inconsistent 2FA and authentication failures

**Requested features**

- Add support for Apple Wallet insurance cards
- Optimize app for iPad and larger screens
- Improve app stability and reliability
- Streamline payment processing and options


### MDC Pay

[App page](https://appshunter.io/ios/app/mdc-pay/id6748356068)

Manage your water utility payments conveniently and securely. Set up automatic payments, receive reminders, and opt for paperless billing to stay organized and avoid late fees.

**Highlights:** Fast and secure payments, Auto Pay setup, Payment reminders, Paperless billing, Account organization

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Amica free?

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

### Is MDC Pay free?

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

### Which has better reviews, Amica or MDC Pay?

MDC Pay is rated higher. Amica averages 4.8 out of 5 from 7.9K ratings, while MDC Pay averages 4.9 from 37 ratings.

### Do Amica or MDC Pay have ads?

Neither Amica nor MDC Pay shows ads.

### Which is updated more often, Amica or MDC Pay?

Amica ships an update fortnightly, and MDC Pay fortnightly. Most recently, Amica was updated on October 19, 2026 and MDC Pay on October 13, 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.*