# NICU smartPay vs Your Banking

The clearest difference is iOS requirement: NICU smartPay at 13.0 against Your Banking's 15.0. On price, review sentiment, update cadence and ads there is nothing between them.

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

NICU smartPay ships an update every 6 months, Your Banking every 5 months. Both last shipped on October 24, 2026.

## The numbers

| Metric | NICU smartPay | Your Banking |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | **20.0% of reviews** | 16.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 months | **Every 5 months** |
| Monetization | Free | Free |
| Size | 106 MB | 109 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Northern Inland Credit Union Limited](https://appshunter.io/developer/990505804) | [Regional Australia Bank Ltd](https://appshunter.io/developer/432837909) |

## What reviewers say

### NICU smartPay

[App page](https://appshunter.io/ios/app/nicu-smartpay/id990507455)

Manage your finances with ease. View account balances, make payments, set savings goals, and control your cards directly from the home screen. Enjoy enhanced security features and quick access to all your banking needs.

**Highlights:** Quick Balance view, Biometric and PIN login, Instant transfers to members, External bank transfers, BPAY payments, Expense tracking, Card management

**Features:** macOS Compatibility

**In-app purchases:** none


### Your Banking

[App page](https://appshunter.io/ios/app/your-banking/id1033652930)

Manage your finances conveniently on the go with this secure banking app. Easily check balances, make instant or scheduled payments, and track savings goals. Secure login options and card management features are also available.

**Highlights:** Check account balance, Make instant and scheduled payments, Save payees and billers, Set and track savings goals, Secure login with PIN, pattern, Touch ID, Face ID, Temporary card lock and replacement, Add card to Apple Wallet

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is NICU smartPay free?

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

### Is Your Banking free?

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

### Do NICU smartPay or Your Banking have ads?

Neither NICU smartPay nor Your Banking shows ads.

### Which is updated more often, NICU smartPay or Your Banking?

NICU smartPay ships an update every 6 months, and Your Banking every 5 months. Most recently, NICU smartPay was updated on October 24, 2026 and Your Banking on October 24, 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.*