Comparison

Tesco Bank vs Access PayWise+

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Tesco Bank

Manage your Tesco Bank accounts and Clubcard spending on the go. Track transactions, make repayments, and transfer money securely. Activate new cards or block lost ones with ease.

Highlights
  • Secure login with Face ID/Touch ID
  • Detailed transaction viewing
  • Searchable transaction history
  • Credit card repayment management
  • Money transfers between accounts
  • Card activation and blocking
Features
Read full description

Join our 2.4 million customers managing their money on the go with our Mobile Banking App. Register in minutes using your Tesco Bank account details and start managing your money on the go. With the app, you can: - View your card PIN securely in the app whenever you need it. - Log in quickly and securely using Face ID, Touch ID, a 5-digit passcode, or your security number and password. - View your transactions in detail — see what’s pending and what’s settled, so you always know what’s happening with your money. - Search and sort your transaction history to find what you need fast. - Set up and manage your credit card repayments by Pay by Bank, Direct Debit, or debit card. - Transfer money between your Tesco Bank accounts and complete balance or money transfers in seconds. - Activate your new cards or block a credit card that’s been lost or stolen. - Easily check your interest rate to make sure you’re getting the most from your savings. - Compare new rates and reinvest your Fixed Rate Saver in a few simple steps.

About

Access PayWise+

Access earned wages before your payday with this financial wellbeing app. It offers smart money management tools, personalized AI coaching, and savings features to help you build financial resilience and manage your money confidently.

Highlights
  • Earned wage access
  • Real-time accrued wages
  • AI financial coach
  • Savings pots
  • Money management tools
Features
Read full description

PayWise+ Financial Wellbeing Made Simple The free PayWise+ app helps you take control of your finances with earned wage access, smart money management tools, and AI-powered support. Access wages you've already earned ahead of your normal pay date and send the money straight to your bank account. The app shows you real-time accrued wages, how much is available to withdraw, and a history of previous transactions. Plus, get personalised guidance from Penny, our AI financial coach, use savings pots to build financial resilience, and access tools to help you manage your money with confidence. Amounts withdrawn will be deducted from your next pay cheque along with any applicable fees.

Screenshots

Tesco Bank4 screens
Access PayWise+4 screens

Verdict

The call

The clearest difference is review sentiment: Access PayWise+ at 86% against Tesco Bank's 28%. Access PayWise+ also leads on device support (3 vs 1) and iOS requirement (13.0 vs 16.6). On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

Tesco Bank ships an update monthly, Access PayWise+ every 3 weeks. The most recent releases landed on October 23, 2026 and October 24, 2026 respectively.

Scorecard3 real differences · 7 level
Tesco Bank versus Access PayWise+: the parameters behind the verdict, then further details
ParameterTesco BankAccess PayWise+
PriceFreeFree
Rating4.7 (211 ratings) — better—
Positive reviews27.8% of reviews86.4% of reviews — better
Number of ratings211 — better—
Update frequencyMonthlyEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS16.613.0 — better
Further details — not scored
Size295 MB39 MB
Age rating4+4+
DeveloperTesco BankAccess UK Ltd

Customer experience

Tesco Bank

All ratings211 ratings
Positive91.5%
Neutral4.7%
Negative3.8%
Written reviews209 reviews
Positive27.8%
Neutral9.1%
Negative63.2%

Access PayWise+

Written reviews22 reviews
Positive86.4%
Neutral4.5%
Negative9.1%

Bugs and requests

Tesco Bank

Reported bugs

4 issues
  • App crashing when authorizing payments
  • Inability to view PIN
  • Disappearing account data after updates
  • Inconsistent login and registration process

Requested features

4 requests
  • Dark mode option
  • Biometric login support for iPad
  • Improved transaction history and balance tracking
  • Faster payment processing and updates

Access PayWise+

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Tesco Bank

No in-app purchases

None

Access PayWise+

No in-app purchases

Questions

Is Tesco Bank free?
Tesco Bank is free to download, with no in-app purchases.
Is Access PayWise+ free?
Access PayWise+ is free to download, with no in-app purchases.
Do Tesco Bank or Access PayWise+ have ads?
Neither Tesco Bank nor Access PayWise+ shows ads.
Which is updated more often, Tesco Bank or Access PayWise+?
Tesco Bank ships an update monthly, and Access PayWise+ every 3 weeks. Most recently, Tesco Bank was updated on October 23, 2026 and Access PayWise+ on October 24, 2026.

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