Comparison

AMI vs Circum Pay

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

Head to head
About

AMI

Manage your insurance policies, make claims, and get new quotes quickly and easily. Access all your policy documents and payment options in one convenient place, anytime, anywhere. Features faster login options for seamless access.

Highlights
  • 24/7 insurance management
  • Faster login (PIN/Face ID)
  • Online claim submission and tracking
  • Payment management
  • View policy information and documents
  • Get new quotes in 2 minutes
Features
Read full description

About this app​ Your AMI insurance anytime, anywhere.​ With the AMI app, we’re here for you 24/7. Manage your insurance with faster log in using a PIN or face ID.​ ​ Make a claim online​ Starting your claim is easy in the app. If you need to claim on your car, home or contents insurance, you can start a draft, make a claim, and check your claim’s progress every step of the way.​ ​ Easily manage your payments​ Make a payment for your policy straight from the app. Or if you have a recurring payment, you can manage that in the app too.​ ​ All your policies in one place​ View your policy information and documents in the app. You can see what you’re covered for at any time. And choose to get your insurance documents by email or by post.​ ​ Get a quote ​ Get a new quote in 2 minutes. Or find an existing car quote and pick up where you left off.

About

Circum Pay

Pay for services at enabled vending machines and equipment using your smartphone. Access special discounts and promotions at participating locations across Australia.

Highlights
  • Smartphone payments
  • QR code scanning
  • Vending machine purchases
  • Special discounts
  • Promotions
  • Car wash payments
  • Laundromat payments
Read full description

The Circumpay app allows you to use your smartphone to buy products at your enabled favorite vending machine and or vending equipment (Car Wash, Laundromat, amusement machine or any devices that has Circumtec Reader Installed) quickly and easily through your smartphone. Receive special discounts and promotions on participating vending machines across Australia.

Screenshots

AMI4 screens
Circum Pay4 screens

Verdict

The call

The clearest difference is review sentiment: AMI at 12% against Circum Pay's 0%. Circum Pay's advantage is iOS requirement (14.0 vs 17.0). On price, update cadence, ads and in-app purchases there is nothing between them.

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

AMI ships an update monthly, Circum Pay every 2 months. The most recent releases landed on October 13, 2026 and October 14, 2026 respectively.

Scorecard2 real differences · 8 level
AMI versus Circum Pay: the parameters behind the verdict, then further details
ParameterAMICircum Pay
PriceFreeFree
Rating4.5 (10 ratings) — better—
Positive reviews11.7% of reviews — better0.0% of reviews
Number of ratings10 — better—
Update frequencyMonthly — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS17.014.0 — better
Further details — not scored
Size78 MB69 MB
Age rating4+12+
DeveloperIAG New Zealand LimitedCircumtec

Customer experience

AMI

All ratings10 ratings
Positive90.0%
Neutral0.0%
Negative10.0%
Written reviews77 reviews
Positive11.7%
Neutral7.8%
Negative80.5%

Circum Pay

Written reviews2 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Bugs and requests

AMI

Reported bugs

10 issues
  • App crashes on opening or loading policies
  • Login errors (access denied, blank screen, 'Oops' message, 'cannot decode raw data')
  • App redirects to website instead of functioning
  • Unable to download new or updated versions
  • Constant logging out
Show 5 more
  • Policies not showing in the app
  • Cannot change payment options
  • Payment not confirmed or updated on app
  • Contact us feature not working
  • App not supporting Face ID

Requested features

8 requests
  • Support Face ID or similar biometric login
  • Streamline the login process
  • Display numeric keyboard for verification
  • Do not reset login preferences on update
  • Send 2FA codes to autofill
Show 3 more
  • Provide clear policy documents with itemized costs
  • Add a link to find monthly payments
  • Make it easier to cancel a policy

Circum Pay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

AMI

No in-app purchases

None

Circum Pay

No in-app purchases

Questions

Is AMI free?
AMI is free to download, with no in-app purchases.
Is Circum Pay free?
Circum Pay is free to download, with no in-app purchases.
Do AMI or Circum Pay have ads?
Neither AMI nor Circum Pay shows ads.
Which is updated more often, AMI or Circum Pay?
AMI ships an update monthly, and Circum Pay every 2 months. Most recently, AMI was updated on October 13, 2026 and Circum Pay on October 14, 2026.

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