# PayBox vs ONE ZERO

The clearest difference is rating: PayBox at 4.7 against ONE ZERO's 3.0. PayBox also leads on review sentiment (42% vs 10%) and monetization model (free vs free with in-app purchases). On price, update cadence, 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.

PayBox holds the better App Store score, 4.7 against 3.0. That said, the two scores are not equally well evidenced: PayBox has 2.5K ratings behind it against 61, 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 10% of ONE ZERO's.

PayBox ships an update every 10 days, ONE ZERO every 2 weeks. The most recent releases landed on September 20, 2026 and September 19, 2026 respectively.

## The numbers

| Metric | PayBox | ONE ZERO |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (2.5K ratings)](https://appshunter.io/ios/app/paybox/id895491053/reviews)** | [3.0 (61 ratings)](https://appshunter.io/ios/app/one-zero/id1554109300/reviews) |
| Number of ratings | **2.5K** | 61 |
| Positive reviews | **41.9% of reviews** | 10.4% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 10 days** | Every 2 weeks |
| Monetization | **Free** | Free with in-app purchases |
| Size | 217 MB | 273 MB |
| Requires iOS | 16.4 | **15.0** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [PAYBOX LTD](https://appshunter.io/developer/1601520587) | [ONE ZERO Digital Bank LTD](https://appshunter.io/developer/1522256484) |

## 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


### ONE ZERO

[App page](https://appshunter.io/ios/app/one-zero/id1554109300)

This digital bank offers accounts with no maintenance fees and unique benefits designed to save users thousands annually. Enjoy high-interest deposits, fee-free foreign currency transactions, and investment opportunities. Manage all your accounts and cards in one place with AI-powered insights and expert support.

**Highlights:** No maintenance fees, High-interest deposits, Fee-free foreign currency transactions, Investment opportunities, Consolidated account management, AI-powered financial insights, 24/7 expert support

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Intuitive and efficient app
- 👍 Bank is good and advanced
- 👍 No unnecessary fees
- 👍 Well-structured package deals

**What reviewers complain about**

- ❌ No English language option
- ❌ Slow and unhelpful support
- ❌ Impossible to transfer money to oneself
- ❌ Annoying promotional notifications
- ❌ Stuck in registration loop

**Reported bugs**

- Stuck in registration loop
- App is often stuck
- App crashes
- Voice verification not working
- Document scanning errors

**Requested features**

- Add English language option
- Improve AI helper
- Add dark mode
- Add iPad version
- Option to provide feedback within the app


## Frequently asked questions

### Is PayBox free?

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

### Is ONE ZERO free?

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

### Which has better reviews, PayBox or ONE ZERO?

PayBox is rated higher. PayBox averages 4.7 out of 5 from 2.5K ratings, while ONE ZERO averages 3.0 from 61 ratings.

### Do PayBox or ONE ZERO have ads?

Neither PayBox nor ONE ZERO shows ads.

### Which is updated more often, PayBox or ONE ZERO?

PayBox ships an update every 10 days, and ONE ZERO every 2 weeks. Most recently, PayBox was updated on September 20, 2026 and ONE ZERO on September 19, 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.*