# GoBank vs XtraPOWER by PAYOMATIC

The clearest difference is review sentiment: XtraPOWER by PAYOMATIC at 74% against GoBank's 17%. XtraPOWER by PAYOMATIC also leads on rating (4.5 vs 4.2). GoBank's advantage is ratings volume (5.3K vs 661) and device support (4 vs 2). On price, update cadence, ads and in-app purchases there is nothing between them.

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

XtraPOWER by PAYOMATIC holds the better App Store score, 4.5 against 4.2. That said, the two scores are not equally well evidenced: GoBank has 5.3K ratings behind it against 661, so its average is the more settled of the two. Written reviews point the same way: 17% of GoBank's written reviews are positive against 74% of XtraPOWER by PAYOMATIC's.

GoBank ships an update every 5 weeks, XtraPOWER by PAYOMATIC every 2 months. The most recent releases landed on October 21, 2026 and October 15, 2026 respectively.

## The numbers

| Metric | GoBank | XtraPOWER by PAYOMATIC |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.2 (5.3K ratings)](https://appshunter.io/ios/app/gobank-mobile-banking/id535272164/reviews) | **[4.5 (661 ratings)](https://appshunter.io/ios/app/xtrapower-by-payomatic/id1436035625/reviews)** |
| Number of ratings | **5.3K** | 661 |
| Positive reviews | 17.1% of reviews | **74.4% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 weeks** | Every 2 months |
| Monetization | Free | Free |
| Size | 130 MB | 41 MB |
| Requires iOS | **12.0** | 13.4 |
| Devices | **iPhone, iPad, iPod, Apple Watch** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Green Dot Corporation](https://appshunter.io/developer/437092811) | [PAYOMATIC](https://appshunter.io/developer/1436035624) |

## What reviewers say

### GoBank

[App page](https://appshunter.io/ios/app/gobank-mobile-banking/id535272164)

This mobile banking app offers a checking account designed to avoid traditional bank fees. It provides early direct deposit, a free ATM network, and tools for bill pay, sending money, and mobile check deposits. It also includes a budgeting feature to help manage spending.

**Highlights:** No surprise fees, Early direct deposit, Free ATM network, Bill pay, Send money, Mobile check deposit, Budgeting tool

**In-app purchases:** none

**What reviewers like**

- 🚀 Great app to pay and go
- 💡 Ability to stash money and check balance without logging in
- 👍 Convenient for Uber drivers

**What reviewers complain about**

- 🐛 Frequent app crashes and errors
- 🔒 Inability to access own money due to security issues
- 💰 Many hidden fees and charges
- ⚠️ Unreliable customer service and account management

**Reported bugs**

- Inability to log in or access account
- Disappearing vault and missing money issues
- Unreliable bill pay and money transfer features

**Requested features**

- Improved app stability and functionality
- Faster check deposit processing
- Better communication on account changes and fees


### XtraPOWER by PAYOMATIC

[App page](https://appshunter.io/ios/app/xtrapower-by-payomatic/id1436035625)

Manage your spending and access your funds with this app. Track transactions, view balances, and receive personalized offers. It also facilitates direct deposit for faster access to paychecks and allows for easy money transfers.

**Highlights:** Track spending activity, View inPOWER Card transactions, Real-time balance checks, Share money with others, Direct deposit for faster pay, Exclusive offers and discounts, Email transaction receipts

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 Convenient and intuitive
- 💳 Useful card features
- 💰 Helpful incentives
- 🔍 Easy to track transactions
- 🔥 Great app experience

**What reviewers complain about**

- 🐛 App crashes and bugs
- 💸 Unexpected fees and charges
- ⏱️ Slow money transfers
- 🤔 Confusing account management
- 🤯 Poor customer service

**Reported bugs**

- Login screen issues
- Date of birth entry problems
- Network errors
- Force closing on app launch

**Requested features**

- Mobile check deposit
- Ability to manage multiple cards
- Improved date/time picker
- Support for Apple Pay


## Frequently asked questions

### Is GoBank free?

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

### Is XtraPOWER by PAYOMATIC free?

XtraPOWER by PAYOMATIC is free to download, with no in-app purchases.

### Which has better reviews, GoBank or XtraPOWER by PAYOMATIC?

XtraPOWER by PAYOMATIC is rated higher. GoBank averages 4.2 out of 5 from 5.3K ratings, while XtraPOWER by PAYOMATIC averages 4.5 from 661 ratings.

### Do GoBank or XtraPOWER by PAYOMATIC have ads?

Neither GoBank nor XtraPOWER by PAYOMATIC shows ads.

### Which is updated more often, GoBank or XtraPOWER by PAYOMATIC?

GoBank ships an update every 5 weeks, and XtraPOWER by PAYOMATIC every 2 months. Most recently, GoBank was updated on October 21, 2026 and XtraPOWER by PAYOMATIC on October 15, 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.*