# 住信SBIネット銀行 NISA投資や証券、株・デビットカード vs PayPay銀行　ローン

The clearest difference is update cadence: 住信SBIネット銀行 NISA投資や証券、株・デビットカード at every 3 weeks against PayPay銀行　ローン's every 6 months. 住信SBIネット銀行 NISA投資や証券、株・デビットカード also leads on ratings volume (414K vs 12K). PayPay銀行　ローン's advantage is monetization model (free vs free with in-app purchases) and iOS requirement (13.0 vs 15.0). On price, rating, review sentiment and ads there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.6 for 住信SBIネット銀行 NISA投資や証券、株・デビットカード against 4.6 for PayPay銀行　ローン. That said, the two scores are not equally well evidenced: 住信SBIネット銀行 NISA投資や証券、株・デビットカード has 414K ratings behind it against 12K, so its average is the more settled of the two. Written reviews are what separate them: 28% of 住信SBIネット銀行 NISA投資や証券、株・デビットカード's written reviews are positive against 31% of PayPay銀行　ローン's.

住信SBIネット銀行 NISA投資や証券、株・デビットカード ships an update every 3 weeks, PayPay銀行　ローン every 6 months. Both last shipped on October 25, 2026.

## The numbers

| Metric | 住信SBIネット銀行 NISA投資や証券、株・デビットカード | PayPay銀行　ローン |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (414K ratings)](https://appshunter.io/ios/app/sbi-nisa/id436755036/reviews) | **[4.6 (12K ratings)](https://appshunter.io/ios/app/paypay/id1474784110/reviews)** |
| Number of ratings | **414K** | 12K |
| Positive reviews | 27.8% of reviews | **30.6% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 6 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 123 MB | 52 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [DOCOMO SMTB Net Bank, Inc.](https://appshunter.io/developer/436755039) | [PayPay Bank Corporation](https://appshunter.io/developer/645873249) |

## What reviewers say

### 住信SBIネット銀行 NISA投資や証券、株・デビットカード

[App page](https://appshunter.io/ios/app/sbi-nisa/id436755036)

Manage your bank accounts, make transfers, and access foreign currency deposits and loans all from your smartphone. Enjoy free ATM withdrawals and instant mobile debit card issuance. Secure transactions are facilitated through passwordless biometric authentication.

**Highlights:** ATM withdrawals without a card, Instant mobile debit card, Passwordless biometric authentication, Foreign currency deposits, Loan applications, Purpose-based savings accounts, Point rewards program

**Features:** Apple Wallet

**In-app purchases:** none


### PayPay銀行　ローン

[App page](https://appshunter.io/ios/app/paypay/id1474784110)

Access loans quickly and easily through this banking app. Log in with patterns or biometrics, apply for loans, and manage your borrowing and repayment all from your smartphone. Receive push notifications for repayment reminders.

**Highlights:** Pattern and biometric login, In-app loan application, Upload identification and income documents, Check loan application status, View available credit limits, Additional borrowing and repayment, Repayment date push notifications

**In-app purchases:** none


## Frequently asked questions

### Is 住信SBIネット銀行 NISA投資や証券、株・デビットカード free?

住信SBIネット銀行 NISA投資や証券、株・デビットカード is free to download, with no in-app purchases.

### Is PayPay銀行　ローン free?

PayPay銀行　ローン is free to download, with no in-app purchases.

### Which has better reviews, 住信SBIネット銀行 NISA投資や証券、株・デビットカード or PayPay銀行　ローン?

PayPay銀行　ローン is rated higher. 住信SBIネット銀行 NISA投資や証券、株・デビットカード averages 4.6 out of 5 from 414K ratings, while PayPay銀行　ローン averages 4.6 from 12K ratings.

### Do 住信SBIネット銀行 NISA投資や証券、株・デビットカード or PayPay銀行　ローン have ads?

Neither 住信SBIネット銀行 NISA投資や証券、株・デビットカード nor PayPay銀行　ローン shows ads.

### Which is updated more often, 住信SBIネット銀行 NISA投資や証券、株・デビットカード or PayPay銀行　ローン?

住信SBIネット銀行 NISA投資や証券、株・デビットカード ships an update every 3 weeks, and PayPay銀行　ローン every 6 months. Most recently, 住信SBIネット銀行 NISA投資や証券、株・デビットカード was updated on October 25, 2026 and PayPay銀行　ローン on October 25, 2026.

---

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