# BankMobile vs OnePay

BankMobile and OnePay both sit at 4.7 stars, but that hides the real split: 61% of OnePay's written reviews are positive against 27% of BankMobile's. OnePay also leads on update cadence (every 6 days vs every 2 months) and ratings volume (494K vs 35K). On price, rating, 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.

OnePay holds the better App Store score, 4.9 against 4.7. That said, the two scores are not equally well evidenced: OnePay has 494K ratings behind it against 35K, so its average is the more settled of the two. Written reviews point the same way: 27% of BankMobile's written reviews are positive against 61% of OnePay's.

BankMobile ships an update every 2 months, OnePay every 6 days. Both last shipped on November 11, 2026.

## The numbers

| Metric | BankMobile | OnePay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (35K ratings)](https://appshunter.io/ios/app/bankmobile/id578435033/reviews) | **[4.9 (494K ratings)](https://appshunter.io/ios/app/onepay-mobile-banking/id1494523953/reviews)** |
| Number of ratings | 35K | **494K** |
| Positive reviews | 27.4% of reviews | **61.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 6 days** |
| Monetization | Free | Free |
| Best chart rank | — | **#6** |
| Size | 85 MB | 191 MB |
| Requires iOS | 16.7 | **16.4** |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 4+ |
| Developer | [BM TECHNOLOGIES, INC.](https://appshunter.io/developer/1548996823) | [One Finance, Inc.](https://appshunter.io/developer/1477126814) |

## What reviewers say

### BankMobile

[App page](https://appshunter.io/ios/app/bankmobile/id578435033)

Manage your finances with a digital banking app offering cash back rewards, early direct deposit, and instant money transfers. Easily link external accounts, deposit checks, and pay bills from your mobile device.

**Highlights:** Earn cash back offers, Link external accounts, Get paid up to 2 days early, Send and receive money instantly, Lock debit card, Mobile check deposit, Interest-bearing accounts

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Immediate fund transfers
- 👍 User-friendly app
- 🚀 Fast check deposits
- 🔒 Secure account
- 👍 Convenient mobile banking

**What reviewers complain about**

- 🐛 Unreliable app performance
- 💰 Excessive fees
- 🚫 Limited ATM access
- 🔒 Restricted account access
- 🤬 Poor customer service

**Reported bugs**

- Frequent app crashes and freezes
- Inconsistent account balance updates
- Issues with mobile check deposits
- Unreliable fund transfer functionality

**Requested features**

- Ability to easily transfer funds to external accounts
- Option to pause or cancel recurring transfers
- Improved in-app notifications for account activity
- Expanded ATM network for fee-free withdrawals


### OnePay

[App page](https://appshunter.io/ios/app/onepay-mobile-banking/id1494523953)

**Currently charting:** #6 Top Free · Finance, #78 Top Free (US App Store)

Manage your finances with a comprehensive mobile banking solution. Perform transactions, build credit, and earn rewards. Offers features like fee-free overdraft and high APY savings accounts.

**Highlights:** Bank, send, pay, and spend, Build credit history, Earn cash back and rewards, Fee-free overdraft options, High APY savings accounts, Crypto services

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Efficient banking features
- 🔒 Secure transactions
- 👍 Intuitive user interface
- 💡 Useful budgeting tools
- 🤑 Generous cash back and rewards

**What reviewers complain about**

- 🐛 Unreliable app performance
- 🤯 Frustrating account changes
- 🤔 Lack of transparency
- 🙅‍♀️ Poor customer service
- 💸 Unexpected fees and charges

**Reported bugs**

- Frequent app crashes
- Delayed transaction updates
- Issues with account access
- Incorrect account balances

**Requested features**

- Mobile check deposit
- Instant fund transfers
- More customization options
- Improved transaction search
- Joint account management


## Frequently asked questions

### Is BankMobile free?

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

### Is OnePay free?

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

### Which has better reviews, BankMobile or OnePay?

OnePay is rated higher. BankMobile averages 4.7 out of 5 from 35K ratings, while OnePay averages 4.9 from 494K ratings.

### Do BankMobile or OnePay have ads?

Neither BankMobile nor OnePay shows ads.

### Which is updated more often, BankMobile or OnePay?

BankMobile ships an update every 2 months, and OnePay every 6 days. Most recently, BankMobile was updated on November 11, 2026 and OnePay on November 11, 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.*