Comparison

Barclays UK vs Access PayWise+

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

Head to head
About

Barclays UK

Manage your personal, business, and corporate accounts on the go. View transactions, check balances, make payments, and transfer money. Securely store documents and find nearby branches or ATMs.

Highlights
  • Secure login with Touch ID/Face ID
  • Manage personal, business, and corporate accounts
  • View transactions and balances
  • Make payments and transfers
  • Delete Direct Debits
  • Set up standing orders
  • Barclays Cloud It document storage
Features
Read full description

The Barclays app HOW TO REGISTER If you’re 16 or over and you have a UK-registered mobile number and a UK Barclays current account or Barclaycard, you can register for the app. You’ll need the 16 digit number off your card, then follow the onscreen instructions. Some customers may be required to verify their identity with a PINsentry card reader. If you’ve got an activation code, follow the onscreen steps to register (you won’t need PINsentry for this). After you’re set up, you’ll only need your 5-digit passcode to log in. Then you can set up Touch ID or Face ID to log in faster in future. THE BENEFITS • Log in quickly and securely when you set up access through Touch ID or Face ID • Manage your personal, business and corporate accounts, including your Barclaycard accounts, and view your Barclays mortgage account • See recent transactions and check your balances • Make payments to new and existing payees, transfer money between accounts or transfer a balance to your Barclaycard • Delete Direct Debits • Set up, edit and delete standing orders using your app • Join Barclays Blue Rewards and earn rewards just for banking with us • Store your documents securely with Barclays Cloud It • Find your nearest branch or cash machine • Use Mobile PINsentry. It can take up to 4 days for this feature to be activated in the app while we complete some security checks • Call us straight from the app to speak to an adviser • Our iPhone app has been accredited by AbilityNet – the charity that assesses digital services for accessibility Terms and conditions apply. You must be aged 16 or over to use the Barclays app. FOR BUSINESS ACCOUNTS You can only use the app if you’re a sole-signatory Barclays Business current account holder. You can’t register your Barclaycard business or corporate credit cards. This app is provided by either Barclays Bank UK PLC or Barclays Bank PLC depending on the entity you may have contracted with for banking services. Please refer to your bank documents (terms and conditions, statements, etc) to confirm the legal entity that provides banking services to you. Copyright © Barclays 2025. Barclays is a registered trade mark of Barclays plc, used under licence. Barclays Bank UK PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 759676). Registered in England. Registered No. 9740322 Registered Office: 1 Churchill Place, London E14 5HP. Barclays Bank PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 122702). Registered in England. Registered no. 1026167 Registered Office: 1 Churchill Place, London E14 5HP.

About

Access PayWise+

Access earned wages before your payday with this financial wellbeing app. It offers smart money management tools, personalized AI coaching, and savings features to help you build financial resilience and manage your money confidently.

Highlights
  • Earned wage access
  • Real-time accrued wages
  • AI financial coach
  • Savings pots
  • Money management tools
Features
Read full description

PayWise+ Financial Wellbeing Made Simple The free PayWise+ app helps you take control of your finances with earned wage access, smart money management tools, and AI-powered support. Access wages you've already earned ahead of your normal pay date and send the money straight to your bank account. The app shows you real-time accrued wages, how much is available to withdraw, and a history of previous transactions. Plus, get personalised guidance from Penny, our AI financial coach, use savings pots to build financial resilience, and access tools to help you manage your money with confidence. Amounts withdrawn will be deducted from your next pay cheque along with any applicable fees.

Screenshots

Barclays UK4 screens
Access PayWise+4 screens

Verdict

The call

The clearest difference is ads: Access PayWise+ at none against Barclays UK's shown. Access PayWise+ also leads on review sentiment (86% vs 62%) and iOS requirement (13.0 vs 15.0). On price, update cadence, in-app purchases and monetization model 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.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on October 19, 2026 and October 14, 2026 respectively.

Scorecard3 real differences · 7 level
Barclays UK versus Access PayWise+: the parameters behind the verdict, then further details
ParameterBarclays UKAccess PayWise+
PriceFreeFree
Rating4.9 (3.4K ratings) — better—
Positive reviews61.7% of reviews86.4% of reviews — better
Number of ratings3.4K — better—
Update frequencyEvery 3 weeksEvery 3 weeks
AdsYesNo — better
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.013.0 — better
Further details — not scored
Size439 MB39 MB
Age rating4+4+
DeveloperBarclays Services LimitedAccess UK Ltd

Customer experience

Barclays UK

All ratings3,411 ratings
Positive97.3%
Neutral0.9%
Negative1.8%
Written reviews2,368 reviews
Positive61.7%
Neutral5.5%
Negative32.8%

Access PayWise+

Written reviews22 reviews
Positive86.4%
Neutral4.5%
Negative9.1%

Bugs and requests

Barclays UK

Reported bugs

4 issues
  • Login screen freezes
  • App crashes frequently
  • Inconsistent transaction display
  • Cheque deposit feature not working properly

Requested features

4 requests
  • Allow international mobile numbers
  • Add more money management tools
  • Improve customer service and support
  • Streamline login and authentication

Access PayWise+

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Barclays UK

No in-app purchases

None

Access PayWise+

No in-app purchases

Questions

Is Barclays UK free?
Barclays UK is free to download, with no in-app purchases.
Is Access PayWise+ free?
Access PayWise+ is free to download, with no in-app purchases.
Do Barclays UK or Access PayWise+ have ads?
Barclays UK shows ads; Access PayWise+ does not.
Which is updated more often, Barclays UK or Access PayWise+?
Barclays UK ships an update every 3 weeks, and Access PayWise+ every 3 weeks. Most recently, Barclays UK was updated on October 19, 2026 and Access PayWise+ on October 14, 2026.

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