# Santam app vs PayoCard

The clearest difference is update cadence: Santam app at monthly against PayoCard's every 2 months. PayoCard's advantage is device support (3 vs 1) and iOS requirement (13.0 vs 16.0). On price, 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.

Santam app ships an update monthly, PayoCard every 2 months. The most recent releases landed on October 20, 2026 and October 14, 2026 respectively.

## The numbers

| Metric | Santam app | PayoCard |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.3 (14 ratings)](https://appshunter.io/ios/app/santam-app/id937753243/reviews)** | — |
| Number of ratings | **14** | — |
| Positive reviews | 33.9% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 2 months |
| Monetization | Free | — |
| Size | 97 MB | 40 MB |
| Requires iOS | 16.0 | **13.0** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Santam](https://appshunter.io/developer/589443605) | [MeaWallet AS](https://appshunter.io/developer/924533344) |

## What reviewers say

### Santam app

[App page](https://appshunter.io/ios/app/santam-app/id937753243)

Manage your insurance policies, request changes, and submit claims with ease. Get instant support for emergencies and track your claim status directly through the app.

**Highlights:** Policy portfolio access, Personalized user profiles, Policy change requests, SOS emergency button, Claim submission and tracking

**Features:** Vision Pro support

**In-app purchases:** none


### PayoCard

[App page](https://appshunter.io/ios/app/payocard/id6740332696)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Santam app free?

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

### Is PayoCard free?

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

### Do Santam app or PayoCard have ads?

Neither Santam app nor PayoCard shows ads.

### Which is updated more often, Santam app or PayoCard?

Santam app ships an update monthly, and PayoCard every 2 months. Most recently, Santam app was updated on October 20, 2026 and PayoCard 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.*