myRAMS vs AustMilBank
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
myRAMS
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.
- 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
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myRAMS Mobile Banking is designed to give customers an easy to use, intuitive and secure environment. • It’s faster, simpler and more consistent. • Separate BPAY and Payee limits • Intuitive design means simpler, faster access to key functions • Check account balances, transactions, account details • Schedule and manage payments, including BPAY® • Move money between accounts, Payee or Biller. • Quick logon - use your fingerprint, Face id or 4-digit PIN to logon. • Manage your settings Information is current at the time of download and subject to change. Terms, conditions and eligibility criteria, fees and charges apply. Pepper Money Limited ABN 55 094 317 665 AFSL and Australian Credit Licence 286655 is the servicer of home loans owned by Pepper Finance Corporation Limited ABN 51 094 317 647. For RAMS loans and RAMS deposit accounts closed on or before 31 July 2026: Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Pepper Money Limited also services these accounts. Pepper Money Limited and its subsidiaries use the RAMS trademarks and brands under licence from RAMS Financial Group Pty Ltd. BPAY® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.
AustMilBank
Manage your finances on the go with instant account balance checks and fast money transfers using OSKO and PayID. Securely log in with a PIN or biometrics and link to digital wallets. Keep your personal details and cards up-to-date.
- Instant account balance check
- OSKO and PayID transfers
- Link to digital wallets
- PIN and biometric login
- Card and personal detail management
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Welcome to Australian Military Bank’s official app. With Australian Military Bank mobile banking app you can: - Check your account balance instantly (no PIN required) - Use OSKO and PayID to send and receive money instantly - Link to your favourite digital wallets, such as Apple Pay. - Log onto the app faster by creating a 4-digit PIN or using biometrics. Plus all the things that you already expect, such as managing your cards and personal details. Things you should know: - Make sure you remember your secret question and answer before registering. You can reset this on internet banking if you have forgotten. - To use Australian Military Bank mobile banking app you’ll need to be a member of Australian Military Bank and registered for online banking. You can open an account on our website. - Terms of Use apply and are available at australianmilitarybank.com.au/mobile-banking-app-terms-of-use. A few things to remember about security: - Don’t keep your PIN with your mobile device. - Make sure you logout when you’re finished with mobile banking. - Get in touch with Australian Military Bank immediately, if you've lost your mobile device or feel that someone may know your login details. To learn more about Australian Military Bank mobile app, please visit https://australianmilitarybank.com.au/app. Important Information: Terms of Use apply and are available at australianmilitarybank.com.au/mobile-banking-app-terms-of-use. Australian Military Bank ABN 48 087 649 741 AFSL and Australian credit licence number 237 988.
Screenshots
Verdict
The clearest difference is rating: AustMilBank at 4.8 against myRAMS's 2.3. AustMilBank also leads on update cadence (monthly vs every 5 months) and review sentiment (21% vs 6%). On price, ads, in-app purchases and monetization model 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
AustMilBank holds the better App Store score, 4.8 against 2.3. Both are backed by a comparable volume of ratings — 3 and 10 respectively. Written reviews point the same way: 6% of myRAMS's written reviews are positive against 21% of AustMilBank's.
myRAMS ships an update every 5 months, AustMilBank monthly. The most recent releases landed on October 23, 2026 and October 17, 2026 respectively.
| Parameter | myRAMS | AustMilBank |
|---|---|---|
| Price | Free | Free |
| Rating | 2.3 (3 ratings) | 4.8 (10 ratings) — better |
| Positive reviews | 6.3% of reviews | 21.2% of reviews — better |
| Number of ratings | 3 | 10 — better |
| Update frequency | Every 5 months | Monthly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.1 | 13.0 — better |
| Further details — not scored | ||
| Size | 29 MB | 61 MB |
| Age rating | 4+ | 4+ |
| Developer | Pepper Australia Pty Ltd | Australian Military Bank Ltd |
Customer experience
myRAMS
AustMilBank
User reviews
myRAMS
From 3 App Store ratingsWhat we love
- 👍 Easy to use (historically)
- 👍 Good for managing mortgage
- 👍 Transfer funds between accounts
- 👍 Face ID/Touch ID login (when working)
Room to improve
- 🐛 App constantly crashing
- 🐛 Frequent login issues
- 🐛 Update loops
- 🐛 Poor user interface
- 🐛 Limited transaction history
AustMilBank
From 10 App Store ratingsWhat we love
- 👍 Easy to use (some users)
- 👍 Fit for purpose (some users)
- 👍 Nice and clean looking (some users)
- 👍 Very much improved from previous app (some users)
- 👍 Love the new app, many enhancements (some users)
Room to improve
- 🐛 Clunky and slow
- 🐛 Frequent crashes and freezes
- 🐛 Login issues and errors
- 🐛 App not working/down
- 🐛 Incompatible with iPad/landscape mode
Bugs and requests
myRAMS
Reported bugs
45 issues- 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
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- Username incorrect error
- Biometrics not working
- App doesn't load properly
- Floating date block hinders scrolling
- Font too large/small
- Cannot setup app login PIN
- Apple payment issues during update
- App freezes when loading more transactions
- Cannot amend regular payments
- Incorrect running balances
- Transactions not mine appear
- App freezes on certain actions
- References for payments transposed/missing
- Login fails after Face ID setup
- App glitchy and often offline
- System update prevents account access
- Bank transfers slow
- App crashes on selecting 'pay later'
- Cannot view statements past a few weeks
- App locks up when viewing more transactions
- App crashes daily
- Cannot scroll past five days of transactions
- Load more transactions freezes app
- Cannot amend BPay or EFT payments
- Displaying wrong amount/transactions
- App prompts for update, but none available
- Cannot access accounts offline
- Transaction history unclear/hard to search
- App asking for update, but none available
- Fingerprint login nerfed/not recognized
- App support links to web page
- Account nicknames removed
- Multiple accounts shown as 'RAMS Saver'
- Cannot log in since update
- App is slow and has terrible structure
- App consistently crashing
- App very slow to log in
- Cannot view other bank accounts (ING)
- App doesn't recognize fingerprint
- App is basic and web-based
Requested features
5 requests- Fix font size issues
- Improve transaction scrolling
- Copy NAB app functionality
- Improve password security
- Add drag and drop transfers
AustMilBank
Reported bugs
61 issues- Search in payment history never works
- App not compatible with iPad
- App is slow and clunky
- App sometimes doesn't work, has been down all day
- App is horrendous to use, slow and clunky
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- Always having to hard reset the app to login
- Clicking on a transaction doesn't allow back arrow
- App is hopeless, slow, flaky, produces error messages
- Scrolling back through transaction history shows dates not in chronological order
- App has been down for iOS for over two weeks
- 80% of the time a feature stops working
- Display settings on iPad incorrect, stretched, not visible right side
- App is constantly down for maintenance
- Doesn't send OTP to registered mobile number
- Cannot function overseas due to OTP verification
- Changing limits for Osko payments doesn't change the limit
- App has been down for over 5 weeks due to update
- Login function not working after upgrade
- App crashes whenever trying to open 'pay anybody'
- Latest update only loads one out of three or four times
- Since last update, unable to login, works once then fails
- Updated to version 2.27, app is bricked, unable to login
- Updated app 5 days ago, haven't been able to log on since
- App closes down immediately after clicking on it
- App crashes without opening, cannot access funds
- App is quite clumsy, doesn't fit to screen
- App is literally always down
- Charges excessive transaction fees
- New app same trash
- App doesn't load, stays on splash screen then times out
- Takes too long to load and times out most of the time
- Passcode only registers three of four buttons
- New update freezes
- App is having issues most of the time
- Cannot change payments or anything on it
- Limit changes don't work in the app
- App is very sluggish
- Cannot log in, OTP not sent to email address
- New version is not user friendly, too fiddly, so slow
- Since the new update it's been really slow
- App doesn't work at all after update, crashes every time
- Need to sort out app update, users can't log in
- New app interface does not work as well as previous version
- App crashes when accepting terms and conditions
- Functionality is horrible, hard to use for everyday banking
- Extremely slow app, takes ages to transfer money
- Cannot do basic transaction searches or account transfers
- App continually locks account
- Problems, bugs and glitches are never fixed
- Not able to see recurring transfers
- Not able to save a payee to address book
- Cannot get into the app on new phone, freezes
- Desktop online banking doesn't load properly
- Cannot see future transactions after upgrade
- Lost future transactions after upgrade
- No fingerprint option to log on
- Remade payments and direct debits, bank remade them again without knowledge
- Cannot re-register on phone's browser
- New app won't download, old app won't work
- Cut off from finances for days
- Double charged for payments
Requested features
4 requests- Make the app move into landscape mode on iPad
- Allow depositing cheques through the app
- Improve search functionality
- Add a dark mode option
In-app purchases
myRAMS
No in-app purchases
AustMilBank
No in-app purchases
Questions
Is myRAMS free?
Is AustMilBank free?
Which has better reviews, myRAMS or AustMilBank?
Do myRAMS or AustMilBank have ads?
Which is updated more often, myRAMS or AustMilBank?
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