# PayBox vs PEPPER

The clearest difference is ads: PayBox at none against PEPPER's shown. PayBox also leads on monetization model (free vs free with in-app purchases) and review sentiment (42% vs 20%). On price, update cadence, in-app purchases and device support there is nothing between them.

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

PayBox holds the better App Store score, 4.7 against 4.5. That said, the two scores are not equally well evidenced: PayBox has 2.5K ratings behind it against 485, so its average is the more settled of the two. Written reviews point the same way: 42% of PayBox's written reviews are positive against 20% of PEPPER's.

Both ship on a similar rhythm, roughly every 10 days. The most recent releases landed on September 20, 2026 and September 14, 2026 respectively.

## The numbers

| Metric | PayBox | PEPPER |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (2.5K ratings)](https://appshunter.io/ios/app/paybox/id895491053/reviews)** | [4.5 (485 ratings)](https://appshunter.io/ios/app/pepper-mobile-banking/id1138799805/reviews) |
| Number of ratings | **2.5K** | 485 |
| Positive reviews | **41.9% of reviews** | 19.7% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 10 days | Every 10 days |
| Monetization | **Free** | Free with in-app purchases |
| Size | 217 MB | 304 MB |
| Requires iOS | 16.4 | **15.1** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [PAYBOX LTD](https://appshunter.io/developer/1601520587) | [Bank Leumi Ltd](https://appshunter.io/developer/337963195) |

## What reviewers say

### PayBox

[App page](https://appshunter.io/ios/app/paybox/id895491053)

Manage your money outside of traditional banking with this app. It allows for smart, convenient, and affordable financial management, including setting goals, controlling expenses, transferring money, and more. Earn interest on your balance and access a free digital credit card.

**Highlights:** Digital wallet for peer-to-peer money transfers, Create payment groups for shared expenses, Personal and shared 'Boxes' for savings and budgeting, Free digital credit card with no annual fees, Earn interest on your balance, Request and manage loans outside your bank account

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Efficient payment processing
- 💡 Useful for group payments
- 🔒 Secure transactions

**What reviewers complain about**

- 🐛 Frequent crashes and bugs
- 🤯 Poor user experience
- 🔒 Restricted to Israeli phone numbers
- 🌐 Lack of English language support
- 💳 Does not support international/non-Israeli payment methods

**Reported bugs**

- Account getting locked for no reason
- Groups feature not working
- Black screen issues
- Inability to change language to English
- Sign-up process not working

**Requested features**

- Add support for English language
- Improve stability and reduce bugs
- Expand payment method options
- Allow sign-up without Israeli phone number
- Enhance user interface and navigation


### PEPPER

[App page](https://appshunter.io/ios/app/pepper-mobile-banking/id1138799805)

A modern mobile banking app offering a full range of financial services, including account management, money transfers, and check deposits. It features a budget management tool with insights and 24/6 chat support for easy financial management.

**Highlights:** All account types (checking, foreign currency, joint, savings, loans, investments), Money transfers and check deposits, Credit and Debit card ordering, Budget management tools, Financial insights and visualizations, 24/6 chat support

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

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and efficient
- 👍 User-friendly design
- 💡 Useful new features like joint accounts

**What reviewers complain about**

- 🐛 Bugs and crashes
- ⏱️ Slow customer support response times
- 🔍 Lack of transparency in fees and charges

**Reported bugs**

- App freezes on video call screen
- Notification settings not saving properly
- Inconsistent account balance display

**Requested features**

- Ability to upload ID photos for verification
- International money transfer capabilities
- Business account option


## Frequently asked questions

### Is PayBox free?

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

### Is PEPPER free?

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

### Which has better reviews, PayBox or PEPPER?

PayBox is rated higher. PayBox averages 4.7 out of 5 from 2.5K ratings, while PEPPER averages 4.5 from 485 ratings.

### Do PayBox or PEPPER have ads?

PEPPER shows ads; PayBox does not.

### Which is updated more often, PayBox or PEPPER?

PayBox ships an update every 10 days, and PEPPER every 10 days. Most recently, PayBox was updated on September 20, 2026 and PEPPER on September 14, 2026.

---

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