# myRAMS vs Rate Money Mobile Access

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.

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.

## The numbers

| Metric | myRAMS | Rate Money Mobile Access |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.3 (3 ratings)](https://appshunter.io/ios/app/myrams/id409904422/reviews)** | — |
| Number of ratings | **3** | — |
| Positive reviews | 6.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Monthly** |
| Monetization | Free | — |
| Size | 29 MB | 74 MB |
| Requires iOS | **15.1** | 16.4 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Pepper Australia Pty Ltd](https://appshunter.io/developer/564965702) | [Origin Mortgage Management Services Pty Ltd](https://appshunter.io/developer/1551884391) |

## 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


### Rate Money Mobile Access

[App page](https://appshunter.io/ios/app/rate-money-mobile-access/id1580325843)

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

**In-app purchases:** none


## Frequently asked questions

### Is myRAMS free?

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

### Is Rate Money Mobile Access free?

Rate Money Mobile Access is free to download, with no in-app purchases.

### Do myRAMS or Rate Money Mobile Access have ads?

Neither myRAMS nor Rate Money Mobile Access shows ads.

### Which is updated more often, myRAMS or Rate Money Mobile Access?

myRAMS ships an update every 5 months, and Rate Money Mobile Access monthly. Most recently, myRAMS was updated on November 7, 2026 and Rate Money Mobile Access on November 11, 2026.

---

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