# Payactiv vs myWisely

Payactiv and myWisely both sit at 4.7 stars, but that hides the real split: 65% of myWisely's written reviews are positive against 36% of Payactiv's. myWisely also leads on iOS requirement (16.4 vs 18.0). On price, rating, ratings volume and update cadence there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.7 for Payactiv against 4.7 for myWisely. Both are backed by a comparable volume of ratings — 84K and 38K respectively. Written reviews are what separate them: 36% of Payactiv's written reviews are positive against 65% of myWisely's.

Payactiv ships an update every 2 months, myWisely every 3 months. Both last shipped on October 25, 2026.

## The numbers

| Metric | Payactiv | myWisely |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (84K ratings)](https://appshunter.io/ios/app/payactiv/id792617775/reviews)** | [4.7 (38K ratings)](https://appshunter.io/ios/app/mywisely-mobile-banking/id1438858747/reviews) |
| Number of ratings | **84K** | 38K |
| Positive reviews | 36.1% of reviews | **65.1% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 months** | Every 3 months |
| Monetization | Free | Free |
| Best chart rank | #174 | **#116** |
| Size | 47 MB | 82 MB |
| Requires iOS | 18.0 | **16.4** |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 12+ |
| Developer | [PayActiv Inc.](https://appshunter.io/developer/792617778) | [ADP, Inc](https://appshunter.io/developer/363884520) |

## What reviewers say

### Payactiv

[App page](https://appshunter.io/ios/app/payactiv/id792617775)

**Currently charting:** #174 Top Free · Finance (US App Store)

Access your earned wages before payday, pay bills on time, and manage unexpected expenses with user-friendly digital tools. This app helps you achieve financial stability and reach your financial wellness goals without predatory loans or interest.

**Highlights:** Early access to wages, Government payment early access, Spending and saving tools, Low balance alerts, Payactiv Visa Card, Integrated bill pay, Touchless payments

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

**In-app purchases:** none

**What reviewers like**

- 🚀 Quick access to money
- 👍 Convenient feature
- 🚀 Easy to use
- 🚀 Helpful in emergencies
- 👍 Wonderful app

**What reviewers complain about**

- 🐛 App crashes and freezes
- 🐛 Hours/funds not updating properly
- 🔒 Security and login issues
- 💩 Poor customer service
- 💰 High fees

**Reported bugs**

- App not loading or logging in
- Funds disappearing or not updating
- Issues linking bank accounts and cards

**Requested features**

- Same-day access to funds
- Reduce withdrawal fees
- Improve app stability and reliability
- Better customer support


### myWisely

[App page](https://appshunter.io/ios/app/mywisely-mobile-banking/id1438858747)

**Currently charting:** #116 Top Free · Finance (US App Store)

Manage your finances with early access to paychecks, fee-free banking, and automated savings tools. This app allows you to track spending, pay bills, and save for your goals, even when changing jobs.

**Highlights:** Get paid up to 2 days early, Save for goals automatically, No hidden or overdraft fees, Track spending, Pay bills, Works with job changes

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Quick direct deposits
- 💰 Convenient for receiving paychecks
- 📈 Helpful budgeting and savings features

**What reviewers complain about**

- 🤖 Poor customer service and lack of human support
- 🔒 Account lockouts and difficulties accessing funds
- 💳 Unreliable card functionality and activation issues
- 💰 Unexpected fees and charges

**Reported bugs**

- Recurring issues with card activation and verification
- Inconsistent deposit timing and processing
- Unexplained account lockouts and access problems

**Requested features**

- Ability to instantly transfer funds to external accounts
- Improved mobile app experience and user interface
- Clearer communication on account status and changes


## Frequently asked questions

### Is Payactiv free?

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

### Is myWisely free?

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

### Which has better reviews, Payactiv or myWisely?

Payactiv is rated higher. Payactiv averages 4.7 out of 5 from 84K ratings, while myWisely averages 4.7 from 38K ratings.

### Do Payactiv or myWisely have ads?

Neither Payactiv nor myWisely shows ads.

### Which is updated more often, Payactiv or myWisely?

Payactiv ships an update every 2 months, and myWisely every 3 months. Most recently, Payactiv was updated on October 25, 2026 and myWisely on October 25, 2026.

### Which is more popular, Payactiv or myWisely?

Payactiv currently peaks at #174 in the App Store charts, and myWisely at #116. Chart position reflects recent download velocity rather than total install base.

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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.*