# 三井住友カード Vpassアプリ vs PayPay銀行　ローン

The clearest difference is monetization model: PayPay銀行　ローン at free against 三井住友カード Vpassアプリ's free with in-app purchases. PayPay銀行　ローン also leads on ratings volume (12K vs 289) and iOS requirement (13.0 vs 15.0). 三井住友カード Vpassアプリ's advantage is review sentiment (48% vs 31%) and update cadence (every 2 months vs every 6 months). On price, rating, 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.

On the App Store both sit at effectively the same score — 4.7 for 三井住友カード Vpassアプリ against 4.6 for PayPay銀行　ローン. That said, the two scores are not equally well evidenced: PayPay銀行　ローン has 12K ratings behind it against 289, so its average is the more settled of the two. Written reviews are what separate them: 48% of 三井住友カード Vpassアプリ's written reviews are positive against 31% of PayPay銀行　ローン's.

三井住友カード Vpassアプリ ships an update every 2 months, PayPay銀行　ローン every 6 months. The most recent releases landed on September 25, 2026 and September 28, 2026 respectively.

## The numbers

| Metric | 三井住友カード Vpassアプリ | PayPay銀行　ローン |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (289 ratings)](https://appshunter.io/ios/app/vpass/id838138452/reviews)** | [4.6 (12K ratings)](https://appshunter.io/ios/app/paypay/id1474784110/reviews) |
| Number of ratings | 289 | **12K** |
| Positive reviews | **48.3% of reviews** | 30.6% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 months** | Every 6 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 61 MB | 52 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [三井住友カード株式会社](https://appshunter.io/developer/838138455) | [PayPay Bank Corporation](https://appshunter.io/developer/645873249) |

## What reviewers say

### 三井住友カード Vpassアプリ

[App page](https://appshunter.io/ios/app/vpass/id838138452)

Manage your credit card usage, points, and bank balances all in one place. Receive notifications for transactions, spending limits, and potential fraud to ensure secure and convenient financial management.

**Highlights:** Credit card usage monitoring, Point tracking and redemption, Bank account balance display, Consolidated financial management, Transaction and spending limit notifications, Mobile V-Card functionality

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

**In-app purchases:** none


### PayPay銀行　ローン

[App page](https://appshunter.io/ios/app/paypay/id1474784110)

Access loans quickly and easily through this banking app. Log in with patterns or biometrics, apply for loans, and manage your borrowing and repayment all from your smartphone. Receive push notifications for repayment reminders.

**Highlights:** Pattern and biometric login, In-app loan application, Upload identification and income documents, Check loan application status, View available credit limits, Additional borrowing and repayment, Repayment date push notifications

**In-app purchases:** none


## Frequently asked questions

### Is 三井住友カード Vpassアプリ free?

三井住友カード Vpassアプリ is free to download, with no in-app purchases.

### Is PayPay銀行　ローン free?

PayPay銀行　ローン is free to download, with no in-app purchases.

### Which has better reviews, 三井住友カード Vpassアプリ or PayPay銀行　ローン?

三井住友カード Vpassアプリ is rated higher. 三井住友カード Vpassアプリ averages 4.7 out of 5 from 289 ratings, while PayPay銀行　ローン averages 4.6 from 12K ratings.

### Do 三井住友カード Vpassアプリ or PayPay銀行　ローン have ads?

Neither 三井住友カード Vpassアプリ nor PayPay銀行　ローン shows ads.

### Which is updated more often, 三井住友カード Vpassアプリ or PayPay銀行　ローン?

三井住友カード Vpassアプリ ships an update every 2 months, and PayPay銀行　ローン every 6 months. Most recently, 三井住友カード Vpassアプリ was updated on September 25, 2026 and PayPay銀行　ローン on September 28, 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.*