# BRED vs Pay

The clearest difference is update cadence: BRED at every 9 days against Pay's every 2 months. Pay's advantage is iOS requirement (15.1 vs 17). 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.

BRED ships an update every 9 days, Pay every 2 months. The most recent releases landed on September 30, 2026 and May 16, 2026 respectively.

## The numbers

| Metric | BRED | Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (1.6K ratings)](https://appshunter.io/ios/app/bred/id470182955/reviews)** | — |
| Number of ratings | **1.6K** | — |
| Positive reviews | 67.4% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 9 days** | Every 2 months |
| Monetization | Free with in-app purchases | — |
| Size | 218 MB | 16 MB |
| Requires iOS | 17 | **15.1** |
| Devices | iPhone, Apple Watch | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Bred Banque Populaire](https://appshunter.io/developer/394121323) | [VIALINK](https://appshunter.io/developer/471854911) |

## What reviewers say

### BRED

[App page](https://appshunter.io/ios/app/bred/id470182955)

Manage your bank accounts, view balances, make transfers, and track your budget. Securely message your advisor, access electronic statements, and utilize a digital safe for important documents. Protect sensitive transactions and sign contracts electronically.

**Highlights:** Account balance and transaction viewing, Money transfers, Budget management, Secure messaging with advisor, Electronic statements, Digital safe for documents, Secure online payment authentication

**Features:** macOS Compatibility, Apple Wallet, Apple Watch app, iMessage stickers

**In-app purchases:** none

**What reviewers like**

- 👍 Practical app with many features
- 🔒 Good level of security
- 👍 Simple, secure, and user-friendly

**What reviewers complain about**

- 🐛 App doesn't launch anymore
- 🐛 Impossible to connect
- 🐛 Interface issues and forced Face ID
- 🐛 App not accessible from abroad
- 🐛 Slow account updates

**Reported bugs**

- App doesn't send connect code
- Transactions not showing up for days

**Requested features**

- English language support
- Increase transfer limit


### Pay

[App page](https://appshunter.io/ios/app/pay-later/id1633674004)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is BRED free?

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

### Is Pay free?

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

### Do BRED or Pay have ads?

Neither BRED nor Pay shows ads.

### Which is updated more often, BRED or Pay?

BRED ships an update every 9 days, and Pay every 2 months. Most recently, BRED was updated on September 30, 2026 and Pay on May 16, 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.*