Comparison

myRAMS vs Resimac

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

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
Read 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.

About

Resimac

Manage your home loan on the go with self-service features. Track your loan, set repayments, transfer funds, and manage your debit card and personal details. Access BPAY for convenient payments.

Highlights
  • Track and manage home loan
  • Set custom repayments
  • Transfer funds externally
  • Access BPAY payments
  • Manage Visa debit card
  • Update postal address
  • Raise service requests
Features
Read full description

With access to a variety of self-service features, you will be able to track and manage your home loan whenever and wherever you like. Key features include: Set your repayments to suit you Transfer funds to external accounts Handy access to ®BPAY Manage your Visa debit card Change your postal address Raise a service request to our team ®BPAY is registered to BPAY Pty Ltd ABN 69 079 137 518

Screenshots

myRAMS4 screens
Resimac4 screens

Verdict

The call

The clearest difference is rating: Resimac at 5.0 against myRAMS's 2.3. Resimac also leads on review sentiment (27% vs 6%) and update cadence (every 2 months vs every 5 months). On price, ratings volume, ads and in-app purchases 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

Resimac holds the better App Store score, 5.0 against 2.3. Both are backed by a comparable volume of ratings — 3 and 2 respectively. Written reviews point the same way: 6% of myRAMS's written reviews are positive against 27% of Resimac's.

UpkeepUpdate frequency

myRAMS ships an update every 5 months, Resimac every 2 months. The most recent releases landed on August 16, 2026 and September 27, 2026 respectively.

Scorecard4 real differences · 6 level
myRAMS versus Resimac: the parameters behind the verdict, then further details
ParametermyRAMSResimac
PriceFreeFree
Rating2.3 (3 ratings)5.0 (2 ratings) — better
Positive reviews6.3% of reviews27.3% of reviews — better
Number of ratings3 — better2
Update frequencyEvery 5 monthsEvery 2 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.113.0 — better
Further details — not scored
Size29 MB46 MB
Age rating4+4+
DeveloperPepper Australia Pty LtdResimac Group Ltd

Customer experience

myRAMS

All ratings3 ratings
Positive33.3%
Neutral0.0%
Negative66.7%
Written reviews79 reviews
Positive6.3%
Neutral2.5%
Negative91.1%

Resimac

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews22 reviews
Positive27.3%
Neutral4.5%
Negative68.2%

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 more
  • 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

Resimac

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

myRAMS

No in-app purchases

None

Resimac

No in-app purchases

Questions

Is myRAMS free?
myRAMS is free to download, with no in-app purchases.
Is Resimac free?
Resimac is free to download, with no in-app purchases.
Which has better reviews, myRAMS or Resimac?
Resimac is rated higher. myRAMS averages 2.3 out of 5 from 3 ratings, while Resimac averages 5.0 from 2 ratings.
Do myRAMS or Resimac have ads?
Neither myRAMS nor Resimac shows ads.
Which is updated more often, myRAMS or Resimac?
myRAMS ships an update every 5 months, and Resimac every 2 months. Most recently, myRAMS was updated on August 16, 2026 and Resimac on September 27, 2026.

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