Comparison

Lloyds Mobile Banking vs PayProp Owner

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

Head to head
About

Lloyds Mobile Banking

Manage your finances with confidence, access banking services, and track spending in real-time. Apply for new accounts, block subscriptions, and send money easily. Offers cashback and savings tools.

Highlights
  • Real-time balance and transaction tracking
  • Bill payment and money transfer
  • Subscription management
  • Spending insights and savings tools
  • Card management (freeze/unfreeze)
  • Biometric login (fingerprint/face ID)
  • Cashback offers
Features
Read full description

BE THE BOSS OF YOUR MONEY Manage your money with confidence, whenever and wherever you need. Join our 10 million App users – get the app and get started. Seeing your balance, paying a bill or checking your transactions are just the start. Here’s some of the great stuff we’ve got going on in the App. SPEND? SAVE? BORROW? INSURE? INVEST? APPLY IN THE APP TODAY - Not yet banking with us? Don’t worry – download the App, it’s the quickest and easiest way to apply for a bank account with us. - You can share documents with us in real-time using your built-in camera to complete your application quickly. TAKE CONTROL OF YOUR EVERYDAY SPENDING - Ever fallen into the subscription trap after that free trial? See, block and cancel subscriptions anytime. - Need to settle up or transfer money fast? With Faster Payments you can sort it in quick time. - Splitting the bill? Friend forgot their card? Request and receive money you’re owed from family and friends using ‘Request a Payment’. - Get support all day and night, every day. STAY IN THE KNOW WITH REAL TIME INSIGHTS - Know what’s going on with your money in real-time, with upcoming payments and instant notifications when money’s coming in and going out. - Wondering where your money goes? See where you’re spending and where you might be able to save, with Spending Insights. MAKE YOUR MONEY WORK HARDER FOR YOU - Enjoy a cheeky bargain or three with Everyday Offers. Earn cashback of up to 15% from a range of retailers with our current accounts and credit cards. - Turn your pennies to pounds – using ‘Save the Change’. We’ll round up your debit card spend to the nearest pound and move it into a chosen savings account with us. - Keep track of your credit score for free, with helpful tips and tools to improve it. KEEPING YOU AND YOUR MONEY SAFE - Use your fingerprint or face to login - it’s the fastest and most secure way to bank. - Whether your card is lost, stolen or turned into a chew toy, you can relax knowing you can freeze it, unfreeze it or order a new one in seconds. - With the latest security tech we keep your money safe and stop those pesky hackers in their tracks. - Your eligible deposits with Lloyds are protected up to £85,000 by the Financial Services Compensation Scheme. Find out more at lloydsbank.com/FSCS LEAVE US A REVIEW ABOUT OUR APP We’re always ready to listen and make things better for you. Lloyds and Lloyds Bank are trading names of Lloyds Bank Plc (registered in England and Wales (no. 2065), registered office: 25 Gresham Street, London EC2V 7HN). Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. The app is available to customers with a UK personal bank account and valid registered phone number. LEGAL INFORMATION This app is designed and intended for Lloyds UK customers to access and service UK personal products, and for customers of Lloyds Bank Corporate Markets plc, using the business names Lloyds Bank International and Lloyds Bank International Private Banking, to access and service personal products held in Jersey, Guernsey and the Isle of Man. It should only be downloaded for this purpose. While the app can be downloaded from App Stores outside the UK, this does not mean we are inviting, offering or recommending you engage in any transactions or establish a customer relationship with Lloyds or Lloyds Bank Corporate Markets plc. Any confirmation that our product or service complies with European Union law is made to Apple to meet this legal requirement. This does not imply any representation, warranty, or statement to you and should not be relied upon for entering into any contract.

About

PayProp Owner

Access real-time transactional data for your rental properties directly from your bank. Monitor tenant payments, security deposits, and contractor or utility bill payments instantly. Eliminate the need for monthly statements and gain peace of mind with direct financial oversight.

Highlights
  • Real-time transactional data
  • Tenant payment monitoring
  • Security deposit tracking
  • Contractor and utility bill payments
  • Customizable transactional reports
  • Portfolio management view
Read full description

Want to know if your tenant still owes money, or if the damage deposit is in place? Wondering why you received funds and if contractors and utility bills have been paid? Just log in for direct access to transactional data directly from the bank. Say goodbye to once-a-month statements forever! The PayProp Owner app is only available to owners of properties that are managed by property managers who use the PayProp rental payment automation platform. The app gives landlords a real-time data feed of transactions and actions affecting the management of their property or portfolio of properties. Because PayProp is bank-integrated, the payment data on the app represents actual transactional data, directly from bank files. This means no more waiting for monthly statements or accountants to see what happened on your property – or is happening right now! Simple and easy to navigate, owners can now draw transactional reports over any time period, to monitor funds received and paid out. They can also get real-time views of current tenant payment balances and of deposits held as security for the property. And with records of all payments made and received on the property, you’ll always have the peace-of-mind you deserve.

Screenshots

Lloyds Mobile Banking4 screens
PayProp Owner3 screens

Verdict

The call

Lloyds Mobile Banking and PayProp Owner both sit at 4.9 stars, but that hides the real split: 61% of Lloyds Mobile Banking's written reviews are positive against 23% of PayProp Owner's. Lloyds Mobile Banking also leads on ratings volume (21K vs 3) and update cadence (fortnightly vs monthly). PayProp Owner's advantage is iOS requirement (11.0 vs 16.0). On price, rating, 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

Lloyds Mobile Banking holds the better App Store score, 4.9 against 4.7. That said, the two scores are not equally well evidenced: Lloyds Mobile Banking has 21K ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 61% of Lloyds Mobile Banking's written reviews are positive against 23% of PayProp Owner's.

UpkeepUpdate frequency

Lloyds Mobile Banking ships an update fortnightly, PayProp Owner monthly. The most recent releases landed on November 13, 2026 and November 2, 2026 respectively.

Scorecard4 real differences · 6 level
Lloyds Mobile Banking versus PayProp Owner: the parameters behind the verdict, then further details
ParameterLloyds Mobile BankingPayProp Owner
PriceFreeFree
Rating4.9 (21K ratings) — better4.7 (3 ratings)
Positive reviews61.4% of reviews — better23.1% of reviews
Number of ratings21K — better3
Update frequencyFortnightly — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.011.0 — better
Further details — not scored
Size578 MB23 MB
Age rating4+4+
DeveloperLloyds Banking GroupPayProp Holdings

Customer experience

Lloyds Mobile Banking

All ratings21,035 ratings
Positive97.2%
Neutral1.3%
Negative1.5%
Written reviews3,990 reviews
Positive61.4%
Neutral6.1%
Negative32.5%

PayProp Owner

All ratings3 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews13 reviews
Positive23.1%
Neutral0.0%
Negative76.9%

Bugs and requests

Lloyds Mobile Banking

Reported bugs

4 issues
  • Authentication issues
  • Inconsistent performance across devices
  • Inability to update contact information
  • Delayed transaction notifications

Requested features

6 requests
  • Dark mode option
  • Ability to customize app layout
  • Integration with password managers
  • Enhanced transaction history and analytics
  • Support for international accounts
Show 1 more
  • Improved accessibility features

PayProp Owner

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Lloyds Mobile Banking

No in-app purchases

None

PayProp Owner

No in-app purchases

Questions

Is Lloyds Mobile Banking free?
Lloyds Mobile Banking is free to download, with no in-app purchases.
Is PayProp Owner free?
PayProp Owner is free to download, with no in-app purchases.
Which has better reviews, Lloyds Mobile Banking or PayProp Owner?
Lloyds Mobile Banking is rated higher. Lloyds Mobile Banking averages 4.9 out of 5 from 21K ratings, while PayProp Owner averages 4.7 from 3 ratings.
Do Lloyds Mobile Banking or PayProp Owner have ads?
Neither Lloyds Mobile Banking nor PayProp Owner shows ads.
Which is updated more often, Lloyds Mobile Banking or PayProp Owner?
Lloyds Mobile Banking ships an update fortnightly, and PayProp Owner monthly. Most recently, Lloyds Mobile Banking was updated on November 13, 2026 and PayProp Owner on November 2, 2026.

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