# JN Pay Wallet vs Payemm

The clearest difference is review sentiment: Payemm at 50% against JN Pay Wallet's 0%. Payemm also leads on rating (3.7 vs 1.3) and update cadence (every 11 days vs every 9 months). On price, ratings volume, 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.

Payemm holds the better App Store score, 3.7 against 1.3. Both are backed by a comparable volume of ratings — 3 and 3 respectively. Written reviews point the same way: 0% of JN Pay Wallet's written reviews are positive against 50% of Payemm's.

JN Pay Wallet ships an update every 9 months, Payemm every 11 days. Both last shipped on October 24, 2026.

## The numbers

| Metric | JN Pay Wallet | Payemm |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.3 (3 ratings)](https://appshunter.io/ios/app/jn-pay-wallet/id6504534935/reviews) | **[3.7 (3 ratings)](https://appshunter.io/ios/app/payemm/id6768655681/reviews)** |
| Number of ratings | 3 | 3 |
| Positive reviews | 0.0% of reviews | **50.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 9 months | **Every 11 days** |
| Monetization | Free | Free |
| Size | 72 MB | 92 MB |
| Requires iOS | **14.0** | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 17+ | 4+ |
| Developer | [JN Bank UK](https://appshunter.io/developer/1502601083) | [Payemm Limited](https://appshunter.io/developer/1690624747) |

## What reviewers say

### JN Pay Wallet

[App page](https://appshunter.io/ios/app/jn-pay-wallet/id6504534935)

Manage your digital money securely and conveniently. Transfer funds, pay bills, and top up mobile credit. Seamlessly deposit and withdraw from JN Bank accounts and JN Smart ATMs.

**Highlights:** Secure digital money management, Fund transfers, Utility bill payments, Mobile credit top-up, JN Bank account integration, JN Smart ATM deposits/withdrawals

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

**In-app purchases:** none


### Payemm

[App page](https://appshunter.io/ios/app/payemm/id6768655681)

Manage everyday spending, from groceries to online shopping, by splitting costs into four easy fortnightly payments. Earn rewards and cashback for making payments on time or early, building better financial habits.

**Highlights:** Split payments into 4 fortnightly installments, Manage groceries, top-ups, and online shopping, Earn rewards and cashback for timely payments, Unlock benefits and bigger opportunities, Transparent payment schedules and terms, Secure transactions

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

**In-app purchases:** none


## Frequently asked questions

### Is JN Pay Wallet free?

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

### Is Payemm free?

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

### Which has better reviews, JN Pay Wallet or Payemm?

Payemm is rated higher. JN Pay Wallet averages 1.3 out of 5 from 3 ratings, while Payemm averages 3.7 from 3 ratings.

### Do JN Pay Wallet or Payemm have ads?

Neither JN Pay Wallet nor Payemm shows ads.

### Which is updated more often, JN Pay Wallet or Payemm?

JN Pay Wallet ships an update every 9 months, and Payemm every 11 days. Most recently, JN Pay Wallet was updated on October 24, 2026 and Payemm on October 24, 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.*