# myRAMS vs Bank First App

myRAMS and Bank First App are too close to call on the numbers: across 8 compared parameters — price, review sentiment, update cadence and ads among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Both ship on a similar rhythm, roughly every 5 months. The most recent releases landed on October 23, 2026 and October 22, 2026 respectively.

## The numbers

| Metric | myRAMS | Bank First App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.3 (3 ratings)](https://appshunter.io/ios/app/myrams/id409904422/reviews)** | — |
| Number of ratings | **3** | — |
| Positive reviews | 6.3% of reviews | **8.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | Every 5 months |
| Monetization | Free | Free |
| Size | 29 MB | 108 MB |
| Requires iOS | 15.1 | **15.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Pepper Australia Pty Ltd](https://appshunter.io/developer/564965702) | [Victoria Teachers Limited](https://appshunter.io/developer/823334243) |

## What reviewers say

### myRAMS

[App page](https://appshunter.io/ios/app/myrams/id409904422)

Manage your finances with a secure and intuitive mobile banking app. Quickly check balances, schedule payments, and transfer funds between accounts. Enjoy fast and easy login options for a seamless banking experience.

**Highlights:** Check account balances and transactions, Schedule and manage payments (BPAY), Transfer funds between accounts and payees, Intuitive and fast access to functions, Secure quick logon (fingerprint, Face ID, PIN), Manage account settings

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

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use (historically)
- 👍 Good for managing mortgage
- 👍 Transfer funds between accounts
- 👍 Face ID/Touch ID login (when working)

**What reviewers complain about**

- 🐛 App constantly crashing
- 🐛 Frequent login issues
- 🐛 Update loops
- 🐛 Poor user interface
- 🐛 Limited transaction history

**Reported bugs**

- Unable to log in after updates
- App crashes when selecting 'pay later'
- Date selection field crashes app
- App requires update but none available
- Endless update loop

**Requested features**

- Fix font size issues
- Improve transaction scrolling
- Copy NAB app functionality
- Improve password security
- Add drag and drop transfers


### Bank First App

[App page](https://appshunter.io/ios/app/bank-first-app/id1093664369)

Manage your bank accounts securely on the go. Transfer funds instantly, pay bills, track savings goals, and manage your cards. Access transaction history, update contact details, and customize your banking experience.

**Highlights:** Secure login with biometrics, Instant money transfers (Osko), Bill payments (BPAY), Savings goal tracking, Card management (lock, unlock, replace), Transaction history, Account nickname customization

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

**In-app purchases:** none

**What reviewers like**

- 👍 Generally reliable (historically)
- 👍 Good design (some users)
- 👍 Fresh new look (some users)

**What reviewers complain about**

- 🐛 Frequent crashes/freezes
- 🐛 App won't open/launch
- 🐛 Unreliable/unavailable often
- 🐛 Login issues (PIN, Face ID, Touch ID)
- 🐛 Session timed out issues

**Reported bugs**

- App crashes on launch
- App freezes frequently
- App unavailable for hours
- Locked out of app
- App won't open after update

**Requested features**

- Ability to nickname/rename accounts
- Ability to reorder accounts
- Hide own accounts from screen
- Download statements as PDF
- View amount to clear credit card balance


## Frequently asked questions

### Is myRAMS free?

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

### Is Bank First App free?

Bank First App is free to download, with no in-app purchases.

### Do myRAMS or Bank First App have ads?

Neither myRAMS nor Bank First App shows ads.

### Which is updated more often, myRAMS or Bank First App?

myRAMS ships an update every 5 months, and Bank First App every 5 months. Most recently, myRAMS was updated on October 23, 2026 and Bank First App on October 22, 2026.

---

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