myRAMS vs ME Bank
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.
ME Bank
Manage your banking needs with this updated mobile application. It offers improved features for a better user experience, with ongoing enhancements planned.
- Account management
- Transaction tracking
- App improvements
- Ongoing feature updates
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Bank with ME? Check out the latest version and features of our app – we’ve made some improvements and we’ll continue to make more.
Screenshots
Verdict
The clearest difference is monetization model: myRAMS at free against ME Bank's free with in-app purchases. ME Bank's advantage is update cadence (every 2 months vs every 5 months). On price, review sentiment, 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
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, ME Bank every 2 months. The most recent releases landed on October 23, 2026 and October 26, 2026 respectively.
| Parameter | myRAMS | ME Bank |
|---|---|---|
| Price | Free | Free |
| Rating | 2.3 (3 ratings) — better | — |
| Positive reviews | 6.3% of reviews — better | 4.1% of reviews |
| Number of ratings | 3 — better | — |
| Update frequency | Every 5 months | Every 2 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.1 | 15.0 — better |
| Further details — not scored | ||
| Size | 29 MB | 115 MB |
| Age rating | 4+ | 4+ |
| Developer | Pepper Australia Pty Ltd | Members Equity Bank Pty Ltd |
Customer experience
myRAMS
ME Bank
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
ME Bank
Not enough reviews yet to summarise bugs or requests.
In-app purchases
myRAMS
No in-app purchases
ME Bank
No in-app purchases
Questions
Is myRAMS free?
Is ME Bank free?
Do myRAMS or ME Bank have ads?
Which is updated more often, myRAMS or ME Bank?
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