Best 1St Payment Apps

247+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated September 2026

The best 1st payment apps on iPhone average 4.6★ across 247+ titles — we've ranked them by what real users actually keep on their phones. Updated September 2026.

Compare top 1St Payment Apps (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1WhatsApp MessengerWhatsApp MessengerFree4.7★ (19M)YesYesSep 2026
2Service 1st Mobile BankingService 1st Mobile BankingFree4.9★ (4.7K)NoNoSep 2026
3Google MapsGoogle MapsFree4.7★ (7.4M)YesYesSep 2026
4Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (858K)NoNoSep 2026
51stPayMobile EMV1stPayMobile EMVFree3.0★ (11)NoNoMay 2026
6ACT 1st FCUACT 1st FCUFree4.5★ (175)NoNoSep 2026
7Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (753K)NoNoSep 2026
8Members 1st Credit Union STLMembers 1st Credit Union STLFree4.9★ (70)YesNoSep 2026

Top Picks for 1St Payment

WhatsApp Messenger#1

WhatsApp Messenger by WhatsApp Inc.

Simple. Reliable. Private.
Editor's Choice
🌐 Social Networking
4.7😊(19M ratings)
FreeAdsIn-App Purchases
#1in Social Networking
WhatsApp Messenger screenshot 1
WhatsApp Messenger screenshot 2
WhatsApp Messenger screenshot 3
WhatsApp Messenger screenshot 4
WhatsApp Messenger screenshot 5

Connect with friends and family globally through private messaging and high-quality calls. Share moments, documents, and stay in touch across devices, even on slow connections. Your conversations are secured with end-to-end encryption.

What We Love

  • 💬 Great communication tool
  • 🌍 Connects people globally
  • 🔒 Secure and private messaging
  • 📱 Versatile features (calls, video, groups)
  • 🆓 Free to use

Room to Improve

  • 🐛 Bugs and glitches (freezing, crashing, notification issues)
  • 🔒 Privacy concerns with data sharing
  • 🙈 Lack of customization and control (status, groups)
  • 📤 Backup and restore issues
  • 🚫 Arbitrary account bans
Service 1st Mobile Banking#2

Service 1st Mobile Banking by Service 1st Federal Credit Union

On-the-go account management!
Strong Contender
💰 Finance
4.9😊(4.7K ratings)
Free
Service 1st Mobile Banking screenshot 1
Service 1st Mobile Banking screenshot 2
Service 1st Mobile Banking screenshot 3
Service 1st Mobile Banking screenshot 4
Service 1st Mobile Banking screenshot 5
Service 1st Mobile Banking screenshot 6

Manage your Service 1st Federal Credit Union accounts securely on the go. View transactions, deposit checks, pay bills, transfer funds, and apply for loans. Find ATMs and branches easily.

What We Love

  • 👍 Easy to use
  • 🚀 Convenient app experience
  • 💯 Friendly and helpful staff
  • 🤩 Great overall service

Room to Improve

  • 🐛 Login issues and frequent logouts
  • ⚠️ Inconsistent mobile deposit functionality
  • 🕰️ Slower performance compared to previous version
  • 🔒 Lack of security features (e.g., Face ID)
Google Maps#3

Google Maps by Google

Places, navigation & traffic
Worth Considering
🗺️ Navigation
4.7😐(7.4M ratings)
FreeAdsIn-App Purchases
#1in Navigation
Google Maps screenshot 1
Google Maps screenshot 2
Google Maps screenshot 3
Google Maps screenshot 4
Google Maps screenshot 5

Navigate your world with real-time traffic, turn-by-turn directions for driving, walking, cycling, and public transport. Discover millions of businesses and places with photos and reviews. Plan trips with Street View, Immersive View, and offline maps.

What We Love

  • 🚀 Accurate navigation
  • 👍 Helpful for travel and exploration
  • 💡 Useful for delivery drivers
  • 👍 Reliable traffic information

Room to Improve

  • 🐛 Buggy and unreliable directions
  • 🔄 Constant rerouting without user consent
  • 🗺️ Inaccurate or outdated maps
  • 🚧 Dangerous routing suggestions
  • 🤔 Confusing interface changes

More 1St Payment apps to explore

FAQ about 1St Payment

What are the best 1st payment apps for iPhone?
WhatsApp Messenger tops our 1st payment apps ranking as of September 2026, with a 4.7-star average from 19M App Store ratings, and it's free to download.
Yes — 20 of the top 1st payment apps we rank are free to download, including WhatsApp Messenger and Service 1st Mobile Banking.
WhatsApp Messenger shows ads and offers in-app purchases, according to its App Store listing as of September 2026.
We track 247+ 1st payment apps on the iOS App Store as of September 2026, ranked by rating, recency, and analysis of real user reviews.
This app is a free messaging and calling application that allows users to connect with friends and family worldwide. It offers private messaging, high-quality voice and video calls, and the ability to share various types of content.
Key features include end-to-end encrypted private messaging and calls, group chats and calls with up to 32 people, cross-device connectivity (mobile, tablet, desktop), location sharing, and Status updates that disappear after 24 hours.