# Lyf Pay vs Lydia

The clearest difference is rating: Lydia at 5.0 against Lyf Pay's 4.5. Lydia also leads on update cadence (weekly vs monthly) and monetization model (free vs ad-supported). Lyf Pay's advantage is ratings volume (120 vs 6) and iOS requirement (13.0 vs 16.0). On price, review sentiment, 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.

Lydia holds the better App Store score, 5.0 against 4.5. That said, the two scores are not equally well evidenced: Lyf Pay has 120 ratings behind it against 6, so its average is the more settled of the two. Written reviews point the same way: 53% of Lyf Pay's written reviews are positive against 60% of Lydia's.

Lyf Pay ships an update monthly, Lydia weekly. The most recent releases landed on October 17, 2026 and October 14, 2026 respectively.

## The numbers

| Metric | Lyf Pay | Lydia |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.5 (120 ratings)](https://appshunter.io/ios/app/lyf-pay/id824967438/reviews) | **[5.0 (6 ratings)](https://appshunter.io/ios/app/lydia/id6475691727/reviews)** |
| Number of ratings | **120** | 6 |
| Positive reviews | 53.3% of reviews | **60.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Weekly** |
| Monetization | Ad-supported | **Free** |
| Size | 120 MB | 235 MB |
| Requires iOS | **13.0** | 16.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Lyf](https://appshunter.io/developer/824967441) | [LYDIA Solutions](https://appshunter.io/developer/495706608) |

## 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


### Lydia

[App page](https://appshunter.io/ios/app/lydia/id6475691727)

Easily send and receive money with just a phone number. Create shared money pots to collect funds quickly. This free service offers a simple alternative to traditional banking methods, prioritizing security and user privacy.

**Highlights:** Send and receive money via phone number, Create shareable money pots, Simple and handy interface, Secure banking standards, GDPR compliant

**In-app purchases:** none


## Frequently asked questions

### Is Lyf Pay free?

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

### Is Lydia free?

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

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

Lydia is rated higher. Lyf Pay averages 4.5 out of 5 from 120 ratings, while Lydia averages 5.0 from 6 ratings.

### Do Lyf Pay or Lydia have ads?

Neither Lyf Pay nor Lydia shows ads.

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

Lyf Pay ships an update monthly, and Lydia weekly. Most recently, Lyf Pay was updated on October 17, 2026 and Lydia on October 14, 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.*