# Malakoff Humanis Epargne vs Lyf Pay

The clearest difference is update cadence: Lyf Pay at monthly against Malakoff Humanis Epargne's every 7 months. Lyf Pay also leads on review sentiment (53% vs 28%) and iOS requirement (13.0 vs 15.0). Malakoff Humanis Epargne's advantage is monetization model (free vs ad-supported). 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.

Malakoff Humanis Epargne ships an update every 7 months, Lyf Pay monthly. The most recent releases landed on October 22, 2026 and November 1, 2026 respectively.

## The numbers

| Metric | Malakoff Humanis Epargne | Lyf Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[4.5 (120 ratings)](https://appshunter.io/ios/app/lyf-pay/id824967438/reviews)** |
| Number of ratings | — | **120** |
| Positive reviews | 28.0% of reviews | **53.3% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 7 months | **Monthly** |
| Monetization | **Free** | Ad-supported |
| Size | 127 MB | 120 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [IEFP Epargne salariale](https://appshunter.io/developer/1450629084) | [Lyf](https://appshunter.io/developer/824967441) |

## What reviewers say

### Malakoff Humanis Epargne

[App page](https://appshunter.io/ios/app/malakoff-humanis-epargne/id609717664)

Easily track your employee savings and manage financial operations directly from your smartphone. Access performance data, respond to profit-sharing options, and manage withdrawals and deposits.

**Highlights:** Track employee savings evolution, Manage financial operations, Access performance data, Respond to profit-sharing options, Modify financial instruments, Initiate withdrawals and deposits

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

**In-app purchases:** none


### Lyf Pay

[App page](https://appshunter.io/ios/app/lyf-pay/id824967438)

This mobile payment and savings app will be phasing out its services. Users will no longer be able to access its features by June 1, 2026, as the company ceases operations.

**Highlights:** Mobile payment services, Savings account functionality, Phasing out services, Company ceasing operations

**In-app purchases:** none


## Frequently asked questions

### Is Malakoff Humanis Epargne free?

Malakoff Humanis Epargne is free to download, with no in-app purchases.

### Is Lyf Pay free?

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

### Do Malakoff Humanis Epargne or Lyf Pay have ads?

Neither Malakoff Humanis Epargne nor Lyf Pay shows ads.

### Which is updated more often, Malakoff Humanis Epargne or Lyf Pay?

Malakoff Humanis Epargne ships an update every 7 months, and Lyf Pay monthly. Most recently, Malakoff Humanis Epargne was updated on October 22, 2026 and Lyf Pay on November 1, 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.*