# Liv X vs HAL Pay

The clearest difference is update cadence: Liv X at every 10 days against HAL Pay's monthly. HAL Pay's advantage is device support (3 vs 1). On price, ads, in-app purchases and iOS requirement there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Liv X ships an update every 10 days, HAL Pay monthly. The most recent releases landed on October 31, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | Liv X | HAL Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (1.1K ratings)](https://appshunter.io/ios/app/liv-x-mobile-banking-app/id6473088676/reviews)** | — |
| Number of ratings | **1.1K** | — |
| Positive reviews | 17.5% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 10 days** | Monthly |
| Monetization | Free | — |
| Size | 655 MB | 37 MB |
| Requires iOS | 16.0 | **15.6** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Emirates NBD Bank P.J.S.C](https://appshunter.io/developer/498214446) | [HALSIMPLIFY SOLUTIONS PRIVATE LIMITED](https://appshunter.io/developer/709229910) |

## What reviewers say

### Liv X

[App page](https://appshunter.io/ios/app/liv-x-mobile-banking-app/id6473088676)

Manage your finances with a secure and convenient digital banking experience. Open accounts instantly, track spending, pay bills, and access exclusive rewards and offers. This app offers a comprehensive suite of tools for everyday banking and financial growth.

**Highlights:** Paperless account opening, Secure multi-layered verification, Budget tracking and spending dashboard, Automated savings goals, Credit card management, Bill payments, Free local and international transfers

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

**In-app purchases:** none

**What reviewers like**

- 👍 Wonderful app with new interface
- 👍 Easy to navigate
- 👍 Good offers
- 👍 Good support system

**What reviewers complain about**

- 🐛 Infested with bugs
- 🐛 Laggy and slow
- 🤔 Complicated and delayed
- 🤔 Difficult to navigate
- 🤔 Lack of key functionality

**Reported bugs**

- App crashes frequently
- Account balance not showing correctly
- Unable to top up or transfer funds
- Young account setup not working
- Login issues

**Requested features**

- Bring back the old app
- Allow switching back to old app
- Improve customer service response time
- Add top-up button
- Improve account management features


### HAL Pay

[App page](https://appshunter.io/ios/app/hal-pay/id6736759821)

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

**In-app purchases:** none


## Frequently asked questions

### Is Liv X free?

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

### Is HAL Pay free?

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

### Do Liv X or HAL Pay have ads?

Neither Liv X nor HAL Pay shows ads.

### Which is updated more often, Liv X or HAL Pay?

Liv X ships an update every 10 days, and HAL Pay monthly. Most recently, Liv X was updated on October 31, 2026 and HAL Pay on October 30, 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.*