# 三井住友銀行アプリ vs PayPay銀行　ローン

The clearest difference is update cadence: 三井住友銀行アプリ at monthly against PayPay銀行　ローン's every 6 months. 三井住友銀行アプリ also leads on rating (4.8 vs 4.6). PayPay銀行　ローン's advantage is ratings volume (12K vs 2.2K) and iOS requirement (13.0 vs 15.0). On price, review sentiment, 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.

三井住友銀行アプリ holds the better App Store score, 4.8 against 4.6. That said, the two scores are not equally well evidenced: PayPay銀行　ローン has 12K ratings behind it against 2.2K, so its average is the more settled of the two. Written reviews complicate that: 29% of 三井住友銀行アプリ's written reviews are positive against 31% of PayPay銀行　ローン's, so the app with the better star average is not the one people write more warmly about.

三井住友銀行アプリ ships an update monthly, PayPay銀行　ローン every 6 months. Both last shipped on September 28, 2026.

## The numbers

| Metric | 三井住友銀行アプリ | PayPay銀行　ローン |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (2.2K ratings)](https://appshunter.io/ios/app/id594457652/reviews)** | [4.6 (12K ratings)](https://appshunter.io/ios/app/paypay/id1474784110/reviews) |
| Number of ratings | 2.2K | **12K** |
| Positive reviews | 28.6% of reviews | **30.6% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 6 months |
| Monetization | — | Free |
| Size | 235 MB | 52 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | iPhone, iPod, Apple Watch | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Sumitomo Mitsui Banking Corporation](https://appshunter.io/developer/473879498) | [PayPay Bank Corporation](https://appshunter.io/developer/645873249) |

## What reviewers say

### 三井住友銀行アプリ

[App page](https://appshunter.io/ios/app/id594457652)

**Features:** Apple Wallet, Apple Watch app, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to use
- 👍 Straightforward banking
- 💡 Potential for English translation improvements

**What reviewers complain about**

- 🐛 English translation issues
- 🔒 Overly complex security measures
- 🔒 Weak login credentials
- 💸 Fees for transfers
- 🕰️ Slow transaction processing

**Reported bugs**

- Login issues after app updates
- Inability to submit required ID photos

**Requested features**

- Improve English translation across the app
- Streamline security measures
- Strengthen login credentials
- Eliminate or reduce transfer fees
- Faster transaction processing


### PayPay銀行　ローン

[App page](https://appshunter.io/ios/app/paypay/id1474784110)

Access loans quickly and easily through this banking app. Log in with patterns or biometrics, apply for loans, and manage your borrowing and repayment all from your smartphone. Receive push notifications for repayment reminders.

**Highlights:** Pattern and biometric login, In-app loan application, Upload identification and income documents, Check loan application status, View available credit limits, Additional borrowing and repayment, Repayment date push notifications

**In-app purchases:** none


## Frequently asked questions

### Is 三井住友銀行アプリ free?

三井住友銀行アプリ is free to download, with no in-app purchases.

### Is PayPay銀行　ローン free?

PayPay銀行　ローン is free to download, with no in-app purchases.

### Which has better reviews, 三井住友銀行アプリ or PayPay銀行　ローン?

三井住友銀行アプリ is rated higher. 三井住友銀行アプリ averages 4.8 out of 5 from 2.2K ratings, while PayPay銀行　ローン averages 4.6 from 12K ratings.

### Do 三井住友銀行アプリ or PayPay銀行　ローン have ads?

Neither 三井住友銀行アプリ nor PayPay銀行　ローン shows ads.

### Which is updated more often, 三井住友銀行アプリ or PayPay銀行　ローン?

三井住友銀行アプリ ships an update monthly, and PayPay銀行　ローン every 6 months. Most recently, 三井住友銀行アプリ was updated on September 28, 2026 and PayPay銀行　ローン on September 28, 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.*