# AMI vs Circum Pay

The clearest difference is review sentiment: AMI at 11% 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.

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

AMI ships an update monthly, Circum Pay every 2 months. The most recent releases landed on September 13, 2026 and July 8, 2026 respectively.

## The numbers

| Metric | AMI | Circum Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (10 ratings)](https://appshunter.io/ios/app/ami/id997576572/reviews)** | — |
| Number of ratings | **10** | — |
| Positive reviews | **10.8% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 2 months |
| Monetization | Free | Free |
| Size | 77 MB | 69 MB |
| Requires iOS | 17.0 | **14.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 12+ |
| Developer | [IAG New Zealand Limited](https://appshunter.io/developer/785110129) | [Circumtec](https://appshunter.io/developer/1541124493) |

## What reviewers say

### AMI

[App page](https://appshunter.io/ios/app/ami/id997576572)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### Circum Pay

[App page](https://appshunter.io/ios/app/circum-pay/id1541124491)

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

**In-app purchases:** none


## Frequently asked 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 September 13, 2026 and Circum Pay on July 8, 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.*