# PayLife vs SPARDApay

The clearest difference is update cadence: PayLife at every 3 weeks against SPARDApay's every 3 months. PayLife also leads on device support (3 vs 1). On price, ads, in-app purchases and iOS requirement there is nothing between them.

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

PayLife ships an update every 3 weeks, SPARDApay every 3 months. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | PayLife | SPARDApay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (4 ratings)](https://appshunter.io/ios/app/paylife/id999719607/reviews)** | — |
| Number of ratings | **4** | — |
| Positive reviews | 30.4% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 3 months |
| Monetization | Free | — |
| Size | 288 MB | 80 MB |
| Requires iOS | **15.0** | 16.6 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [easybank AG](https://appshunter.io/developer/480659356) | [VOLKSBANK WIEN AG](https://appshunter.io/developer/1104267769) |

## What reviewers say

### PayLife

[App page](https://appshunter.io/ios/app/paylife/id999719607)

Manage your credit card services securely and conveniently. Features include quick registration, secure payment authorization, online billing, and card management tools. Access exclusive benefits for specific cardholders.

**Highlights:** Secure login with app code or biometrics, 3D Secure registration and payment authorization, Online card statements and transaction overview, Card blocking and PIN display, GeoControl and currency exchange information, Exclusive features for PayLife Black users

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none


### SPARDApay

[App page](https://appshunter.io/ios/app/spardapay/id1353329509)

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is PayLife free?

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

### Is SPARDApay free?

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

### Do PayLife or SPARDApay have ads?

Neither PayLife nor SPARDApay shows ads.

### Which is updated more often, PayLife or SPARDApay?

PayLife ships an update every 3 weeks, and SPARDApay every 3 months. Most recently, PayLife was updated on October 24, 2026 and SPARDApay on October 25, 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.*