myRAMS vs Rate Money Mobile Access
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
Read full descriptionHide full description
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.
Rate Money Mobile Access
Read full descriptionHide full description
Pay bills and transfer funds to anywhere in Australia Access your account balance and transaction history whenever you want Redraw funds from your home loan account, fast Transfer up to $10,000 a day It's safe, protecting you and your account information By using Rate Money Mobile Access you agree to our Terms and Conditions as set out at https://online.originmms.com.au/ib/ratemoney/Terms
Screenshots
Verdict
The clearest difference is update cadence: Rate Money Mobile Access at monthly against myRAMS's every 5 months. On price, ads, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
myRAMS ships an update every 5 months, Rate Money Mobile Access monthly. The most recent releases landed on November 7, 2026 and November 11, 2026 respectively.
| Parameter | myRAMS | Rate Money Mobile Access |
|---|---|---|
| Price | Free | Free |
| Rating | 2.3 (3 ratings) — better | — |
| Positive reviews | 6.0% of reviews | — |
| Number of ratings | 3 — better | — |
| Update frequency | Every 5 months | Monthly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 15.1 — better | 16.4 |
| Further details — not scored | ||
| Size | 29 MB | 74 MB |
| Age rating | 4+ | 4+ |
| Developer | Pepper Australia Pty Ltd | Origin Mortgage Management Services Pty Ltd |
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
Show 40 moreShow fewer
- 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
Rate Money Mobile Access
Not enough reviews yet to summarise bugs or requests.
In-app purchases
myRAMS
No in-app purchases
Rate Money Mobile Access
No in-app purchases
Questions
Is myRAMS free?
Is Rate Money Mobile Access free?
Do myRAMS or Rate Money Mobile Access have ads?
Which is updated more often, myRAMS or Rate Money Mobile Access?
Other comparisons
