# myRAMS vs LoanAccess

The clearest difference is update cadence: LoanAccess at every 2 months against myRAMS's every 5 months. LoanAccess also leads on iOS requirement (13.0 vs 15.1). On price, review sentiment, ads and in-app purchases 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, LoanAccess every 2 months. The most recent releases landed on August 16, 2026 and September 18, 2026 respectively.

## The numbers

| Metric | myRAMS | LoanAccess |
| --- | --- | --- |
| 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** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Every 2 months** |
| Monetization | Free | Free |
| Size | 29 MB | 45 MB |
| Requires iOS | 15.1 | **13.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Pepper Australia Pty Ltd](https://appshunter.io/developer/564965702) | [Resimac Group Ltd](https://appshunter.io/developer/1696025682) |

## 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


### LoanAccess

[App page](https://appshunter.io/ios/app/loanaccess/id6450973162)

Manage your home loan on the go with self-service features. Track your loan, set repayments, transfer funds, and manage your debit card. Access BPAY and update your address easily.

**Highlights:** Track and manage home loan, Set custom repayments, Transfer funds to external accounts, Access BPAY, Manage Visa debit card, Update postal address, Submit service requests

**Features:** macOS Compatibility, 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 LoanAccess free?

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

### Do myRAMS or LoanAccess have ads?

Neither myRAMS nor LoanAccess shows ads.

### Which is updated more often, myRAMS or LoanAccess?

myRAMS ships an update every 5 months, and LoanAccess every 2 months. Most recently, myRAMS was updated on August 16, 2026 and LoanAccess on September 18, 2026.

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