# myRAMS vs Payvel

The clearest difference is update cadence: Payvel at every 4 days 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, Payvel every 4 days. The most recent releases landed on October 9, 2026 and October 1, 2026 respectively.

## The numbers

| Metric | myRAMS | Payvel |
| --- | --- | --- |
| 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 | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Every 4 days** |
| Monetization | Free | — |
| Size | 29 MB | 104 MB |
| Requires iOS | 15.1 | **15.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Pepper Australia Pty Ltd](https://appshunter.io/developer/564965702) | [Payvel PTY LTD](https://appshunter.io/developer/1895016571) |

## 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


### Payvel

[App page](https://appshunter.io/ios/app/payvel/id6762797351)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is myRAMS free?

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

### Is Payvel free?

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

### Do myRAMS or Payvel have ads?

Neither myRAMS nor Payvel shows ads.

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

myRAMS ships an update every 5 months, and Payvel every 4 days. Most recently, myRAMS was updated on October 9, 2026 and Payvel on October 1, 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.*