Comparison

NICU smartPay vs WhyLeaveTown

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

NICU smartPay

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
Read full description

The app includes new features and functions, upgraded security and is simpler to navigate, easier to understand, and quicker to use. Its new design allows you to quickly see your account balance, make payments, set a savings goal and manage your card(s) directly from the home screen. Easy access to: • 'Quick Balance' to view your balances without logging in • Biometric authentication (fingerprint/facial recognition) and PIN, Password or pattern login options • SMS one-time password capability for added security • Transfer to other NICU Members instantly • Transfer funds to external bank accounts using 'Pay Anyone' and add new payees • Manage your PayID • Make BPAY® payments • Add, delete and modify scheduled payments • View pending transactions • How I Spend helps you view, track and manage expenses • Update your contact details • Manage your cards - activate, change PIN, temporarily lock or unlock, report a card lost or stolen • Easy access to 'interest earned' at tax time Things to Know • This app is for NICU Members only. • Mobile data downloading or internet usage charges may apply. • Whilst we make every effort, the NICU smartPay mobile app is not compatible with all devices and operating systems.

About

WhyLeaveTown

Features
Read full description

The Why Leave Town App is designed to enable local shoppers to accept Why Leave Town Digital Gift Cards. Within the app shoppers can redeem multiple gift cards and then move them to their Apple Wallet so that they can then spend the value of the card at local participating businesses. The app also allows card holders to check the balance remaining on their card, the expiry date and keep track of recent transaction history.

Screenshots

NICU smartPay4 screens
WhyLeaveTown3 screens

Verdict

The call

NICU smartPay and WhyLeaveTown are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

NICU smartPay ships an update every 6 months, WhyLeaveTown every 3 months. The most recent releases landed on October 7, 2026 and October 1, 2026 respectively.

ScorecardNo meaningful differences
NICU smartPay versus WhyLeaveTown: the parameters behind the verdict, then further details
ParameterNICU smartPayWhyLeaveTown
PriceFreeFree
Positive reviews20.0% of reviews—
Update frequencyEvery 6 monthsEvery 3 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS13.013.0
Further details — not scored
Size106 MB50 MB
Age rating4+4+
DeveloperNorthern Inland Credit Union LimitedWhy Leave Town Pty Ltd

In-app purchases

None

NICU smartPay

No in-app purchases

None

WhyLeaveTown

No in-app purchases

Questions

Is NICU smartPay free?
NICU smartPay is free to download, with no in-app purchases.
Is WhyLeaveTown free?
WhyLeaveTown is free to download, with no in-app purchases.
Do NICU smartPay or WhyLeaveTown have ads?
Neither NICU smartPay nor WhyLeaveTown shows ads.
Which is updated more often, NICU smartPay or WhyLeaveTown?
NICU smartPay ships an update every 6 months, and WhyLeaveTown every 3 months. Most recently, NICU smartPay was updated on October 7, 2026 and WhyLeaveTown on October 1, 2026.

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