Oberbank vs PayLife
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Oberbank
Manage your banking needs on the go with this app. Access all your accounts, cards, and investment information, and perform transactions like SEPA transfers. It also offers features like a QR code reader for easier data entry and an electronic mailbox.
- Account and card overview
- SEPA bank transfer
- QR code and IBAN reader
- Limit changes for debit cards
- Electronic mailbox
- Latest news updates
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With the Oberbank App, you can take your Oberbank along wherever you go. It allows you to access all banking functions, innovative services and practical features you can use in Austria and abroad around the clock. The functions available within the app can vary between countries! For cash and investment account customers: * Banking transactions anytime anywhere (prerequisite: Internet connection + eBanking) * All accounts, cards and investment accounts at a glance * Transmission of SEPA bank transfer instructions * QR code reader and IBAN reader for simplified data entry when issuing bank transfers Additional services – also available to anybody who is not an Oberbank customer: * Limit change for your Oberbank debit card * Activation of your Oberbank debit card for non-EU countries * Electronic mailbox * Current news directly on your smartphone The app was designed especially for smartphones. In order to download the Oberbank App, you will need iOS 11.0 or higher. The app can only be used together with an Oberbank account for which eBanking has been activated. In order to login, you can use your eBanking access data (participant number + PIN)
PayLife
Manage your credit card services securely and conveniently. Features include quick registration, secure payment authorization, online billing, and card management tools. Access exclusive benefits for specific cardholders.
- Secure login with app code or biometrics
- 3D Secure registration and payment authorization
- Online card statements and transaction overview
- Card blocking and PIN display
- GeoControl and currency exchange information
- Exclusive features for PayLife Black users
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Mit der PayLife App erhalten Sie einfachen und sicheren Zugang zu Ihren Kreditkartenservices – für den Login genügt der 5-stelliger App Code oder die Fingerabdruck- bzw. Gesichtserkennungs-Funktion Ihres Mobilgerätes. Schnelle Registrierung: - Einmalig mit Kundennummer und Passwort registrieren - Festlegung persönlicher Anmeldedaten: App Code + Biometrie Umfangreiche Funktionen - 3D Secure Registrierung und sichere Zahlungsfreigabe - Online-Kartenabrechnung und Umsatzübersicht - Nachrichten im PayLife Postfach und Änderungen persönlicher Daten - Verwaltung von 3D Secure und Kartensperrungen - Kartenbestellungen, PIN-Code Anzeigen und GeoControl - Einstellungen für Online-Zahlungen und Info-SMS - Wechselkursinformationen für maximale Kontrolle Besonders für PayLife Black-Nutzer - Zugriff zum Umsatzcounter für den Black Bonusflight Sicherheitsmerkmale - Funktioniert nicht auf „Rooted Devices“ Entdecken Sie die bequeme und sichere Verwaltung Ihrer Kreditkarte mit der PayLife App. Weitere Infos zur Einrichtung unter: http://www.paylife.at/myapp
Screenshots
Verdict
The clearest difference is rating: PayLife at 5.0 against Oberbank's 4.6. Oberbank's advantage is review sentiment (50% vs 27%) and ratings volume (55 vs 3). On price, update cadence, ads and in-app purchases 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
PayLife holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: Oberbank has 55 ratings behind it against 3, so its average is the more settled of the two. Written reviews complicate that: 50% of Oberbank's written reviews are positive against 27% of PayLife's, so the app with the better star average is not the one people write more warmly about.
Oberbank ships an update monthly, PayLife every 3 weeks. The most recent releases landed on July 17, 2026 and August 4, 2026 respectively.
| Parameter | Oberbank | PayLife |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (55 ratings) | 5.0 (3 ratings) — better |
| Positive reviews | 50.0% of reviews — better | 27.3% of reviews |
| Number of ratings | 55 — better | 3 |
| Update frequency | Monthly | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 16.0 | 15.0 — better |
| Further details — not scored | ||
| Size | 204 MB | 293 MB |
| Age rating | 4+ | 4+ |
| Developer | Oberbank AG | easybank AG |
Customer experience
Oberbank
PayLife
In-app purchases
Oberbank
No in-app purchases
PayLife
No in-app purchases
![FinanzOnline [+]](https://cdn3.appshunter.io/i/Purple211/47bdcca92d1947b1985ef05a00c033b3/AppIcon-0-0-1x_U007emarketing-0-8-0-85-220.png/640x0w.webp "FinanzOnline [+]")