# SimobiPlus vs Raya

The clearest difference is rating: Raya at 5.0 against SimobiPlus's 4.1. SimobiPlus's advantage is update cadence (every 10 days vs every 5 weeks) and ratings volume (31 vs 1). On price, ads, in-app purchases and monetization model there is nothing between them.

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

Raya holds the better App Store score, 5.0 against 4.1. That said, the two scores are not equally well evidenced: SimobiPlus has 31 ratings behind it against 1, so its average is the more settled of the two.

SimobiPlus ships an update every 10 days, Raya every 5 weeks. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | SimobiPlus | Raya |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.1 (31 ratings)](https://appshunter.io/ios/app/simobiplus/id938705552/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/raya-digital-bank/id1627393834/reviews)** |
| Number of ratings | **31** | 1 |
| Positive reviews | 76.3% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 10 days** | Every 5 weeks |
| Monetization | Free | Free |
| Size | 210 MB | 200 MB |
| Requires iOS | **15.5** | 16.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Bank Sinarmas](https://appshunter.io/developer/807937637) | [PT. Bank Raya Indonesia, Tbk.](https://appshunter.io/developer/1332952507) |

## What reviewers say

### SimobiPlus

[App page](https://appshunter.io/ios/app/simobiplus/id938705552)

Manage your finances, open accounts, and make payments seamlessly. This mobile banking app allows for easy bill payments, top-ups, investments, and local/global money transfers. Experience convenient digital banking with features like QRIS payments and scheduled bill payments.

**Highlights:** Open savings accounts instantly, Local and international money transfers, Pay bills and top-up e-wallets, Scheduled bill payments, Cashless transactions via QRIS, Track and top-up investments

**Features:** Vision Pro support

**In-app purchases:** none


### Raya

[App page](https://appshunter.io/ios/app/raya-digital-bank/id1627393834)

Manage personal and business finances easily with a digital bank account. Open an account in minutes with no initial deposit or monthly fees. Features include budgeting tools, savings goals, and loans up to Rp25 million.

**Highlights:** Open account in 4 minutes, No monthly admin fees, No minimum balance, Budgeting and savings tools, Personal and business finance separation, Loans up to Rp25 million, Cash deposit at BRI locations

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is SimobiPlus free?

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

### Is Raya free?

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

### Which has better reviews, SimobiPlus or Raya?

Raya is rated higher. SimobiPlus averages 4.1 out of 5 from 31 ratings, while Raya averages 5.0 from 1 ratings.

### Do SimobiPlus or Raya have ads?

Neither SimobiPlus nor Raya shows ads.

### Which is updated more often, SimobiPlus or Raya?

SimobiPlus ships an update every 10 days, and Raya every 5 weeks. Most recently, SimobiPlus was updated on November 1, 2026 and Raya on November 3, 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.*