# Lyf Pay vs Swile

The clearest difference is review sentiment: Swile at 88% against Lyf Pay's 53%. Swile also leads on update cadence (weekly vs monthly) and rating (4.7 vs 4.5). Lyf Pay's advantage is monetization model (ad-supported vs free with in-app purchases) and iOS requirement (13.0 vs 16.0). 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.

Swile holds the better App Store score, 4.7 against 4.5. Both are backed by a comparable volume of ratings — 120 and 337 respectively. Written reviews point the same way: 53% of Lyf Pay's written reviews are positive against 88% of Swile's.

Lyf Pay ships an update monthly, Swile weekly. The most recent releases landed on September 24, 2026 and September 27, 2026 respectively.

## The numbers

| Metric | Lyf Pay | Swile |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.5 (120 ratings)](https://appshunter.io/ios/app/lyf-pay/id824967438/reviews) | **[4.7 (337 ratings)](https://appshunter.io/ios/app/swile/id1190612035/reviews)** |
| Number of ratings | 120 | **337** |
| Positive reviews | 53.3% of reviews | **88.5% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Weekly** |
| Monetization | **Ad-supported** | Free with in-app purchases |
| Size | 120 MB | 218 MB |
| Requires iOS | **13.0** | 16.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Lyf](https://appshunter.io/developer/824967441) | [Swile](https://appshunter.io/developer/1190612034) |

## What reviewers say

### 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


### Swile

[App page](https://appshunter.io/ios/app/swile/id1190612035)

This app consolidates all your employee benefits, including meal vouchers, gift cards, and personal funds, onto a single virtual card. Manage your balance, view transactions, and access your PIN code all within the application.

**Highlights:** Consolidated employee benefits, Virtual card for mobile payments, View balance and transactions, Access PIN code, Donate to charities, Exclusive deals and offers

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is Lyf Pay free?

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

### Is Swile free?

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

### Which has better reviews, Lyf Pay or Swile?

Swile is rated higher. Lyf Pay averages 4.5 out of 5 from 120 ratings, while Swile averages 4.7 from 337 ratings.

### Do Lyf Pay or Swile have ads?

Neither Lyf Pay nor Swile shows ads.

### Which is updated more often, Lyf Pay or Swile?

Lyf Pay ships an update monthly, and Swile weekly. Most recently, Lyf Pay was updated on September 24, 2026 and Swile on September 27, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*