PeoPay
63
Quality Score
Solid
✍️ Bumetric analysis
“
PeoPay is an iOS app from Bank Pekao SA in the Finance category, currently rated 4.8★ across 1,257 ratings. Initial signal reads as mixed reviews: supporters praise core features while critics cite stability and value gaps.
Quality Score is 63: Solid (established niche player). For a Finance app, that means established niche player. The full BU Investment Matrix below scores 8 dimensions including monetisation, growth, and operational risk.
Track changes month-over-month in the Performance section below: live snapshot history and revenue forecast included.
💰 Monthly revenue · now vs forecast
● Right now
$2.0M
per month
→
12-mo forecast
$2.1M – $3.3M
per month
→
24-mo forecast
$2.5M – $4.7M
per month
BIG tier
💡 Grow this revenue
Free AI audit of this app’s store listing
- Title & subtitle keyword fit
- Description hook & conversion structure
- Screenshots, ratings, reviews strategy
Typical impact: +2-5× organic installs
📊 Performance Tracking LIVE
51 snapshots on record
Rating
4.8
Reviews
1,257 reviews
Forecast Revenue / mo
$2.0M
Snapshots tracked
51
since Mar 2018
🤖Also on Android
$103/mo · 303K ratings · 4.8★
View →
ONE-TIME · BUILD
💰 Estimated build cost
$225K
↳ What it cost to build · not monthly revenue
Likely range $170K – $305K
$25K · MVP floor
$100K · indie scale
$500K+ · studio build
📈
Pays back in under a month at current MRR
Synthetic estimate. Inputs: category complexity, file size, screen count, monetization layer, platform reach, age × team-size proxy. Calibrated against 2024-2026 indie-agency rate surveys. Full math + source list on /methodology.
Where the money goes
| 🧱 MVP baseline (design + 1-store ship) | +$28K |
| 📱 5 unique screens × $4.5K | +$22K |
| 📦 Asset bundle (236 MB) | +$40K |
| ⚙ Finance complexity ×1.60 | +$54K |
| ⚙ 13.0y maintenance × ~1-person team | +$78K |
Total estimate
$225K
ONE-TIME · EXIT VALUE
💵 Estimated acquisition value
$47.5M
↳ What it would sell for · not monthly revenue
Marketplace range $35.5M – $62.0M · 24× MRR multiple
💸
~211× return on build cost
Synthetic estimate. Multiple band derived from ad-supported + age, rating quality, category demand, and user-base maturity. Calibrated against 2024-2026 indie-app-marketplace closed-deal medians. Full math + comparable deal list on /methodology.
How the multiple was built
| 📺 Ad-supported base | 15× MRR |
| 📅 13.0y proven track record | +20% |
| ⭐ ★ rating ≥ 4.7 (premium) | +15% |
| 🏷 Finance category multiple | +15% |
Final multiple
24× MRR
👥 Estimated audience size
52K
Lifetime downloads (US-equivalent)
Monthly active
4.9K
Daily active
1.9K
Synthetic estimate from ratings × category benchmarks. Calibrated against 2024-2026 mobile-attribution retention + DAU/MAU reports. Numbers are US-storefront-equivalent — true global audience can be 5-10× larger for international apps. Full math + source list on /methodology.
How we sized it
| 📲 Finance engagement | ~60 installs / rating |
| 📅 13.0y of rating accumulation | -30% |
| 🔁 Finance D30 retention | 28% |
| 📍 DAU / MAU stickiness | 0.40 |
DAU / MAU
39% sticky
🛠 Estimated tech stack
🍎
Native iOS (Swift / UIKit)
Medium confidence · 55%
Also possible
React Native
Flutter
Heuristic guess from app bundle size, category, store description signals, and release-date stack era. Bumetric does not disassemble binaries — for binary-level certainty you would need an SDK intelligence tool or the manifest itself. Reasoning chain on the right. Full ruleset on /methodology.
Signals we read
| 📦 App bundle size | 236 MB |
| 🏷 Category context | Finance |
| 📦 Large iOS bundle | → Native Swift / UIKit (pre-2020 era) + assets |
💀 Maintenance status
Active
15%
Last shipped 2026-08-24 · 69 days ago
0 · Active
50 · At risk
100 · Abandoned
Heuristic risk score from time-since-last-update + ratings velocity proxy + Editor's Choice / curated featuring signals. Calibrated against 2024-2025 app-store ranking decay reports. Not a guarantee — a quiet app with a healthy codebase looks the same as an abandoned one until something breaks. Full math on /methodology.
Risk signals
| 📅 69 days since last update | Healthy release cadence |
Verdict
Active
🔬
How we forecast this revenue
MEDIUM CONFIDENCEBaseline
$2.0M/mo · ML-estimated from 234 triggers
Growth rate
+2.5% MoM · BIG tier baseline (compound monthly)
6 months
$2.0M – $2.7M
12 months
$2.1M – $3.3M
24 months
$2.5M – $4.7M
Compound growth at +2.5% MoM (tier baseline for BIG). Range widens with horizon — typical noise band ±15% at 6mo.. Ranges widen with horizon — distant futures carry more uncertainty.
📊
BU Investment Matrix
Mixed signals · 57/100BIG TIERcompetitive but cautiousRevenue Strength
6.3
Product Quality
8.6
Market Position
2.0
Growth Velocity
5.0
Defensibility
7.5
Operational Safety
10.0
Founder Strength
5.0
Monetization Maturity
1.0
- 💰 Revenue: Healthy — $800K - $4400K/mo · BIG tier · medium-low confidence, trajectory unclear.
- ⭐ Quality: 4.76★ across 1,257 reviews — strong (top 10%).
- 📍 Market: Not yet charting in any of the 9 monitored markets.
- 📈 Growth: Insufficient signal to assess trajectory.
- ⚠️ Risk: Low — no material risk signals detected.
🎯 For competitors: Mixed picture. Worth competing if you have a clear UX or pricing edge — otherwise crowded segment.
💵 For acquirers: Estimated asking range 18-32× monthly = $36.0M-$64.0M.
Composite of 8 dimensions computed deterministically from public signals — no LLM, every score traces back to a measurable input. Default weights shown; "compete" / "acquire" / "invest" lenses re-weight without re-fetching.
Range:
💰 Forecast Revenue / mo
MODELRevenue forecast computed from BU's 234 trigger model on each snapshot. Calibrated against ground-truth from 58 verified-revenue apps.
🔬Forecast Breakdown — Why This Estimate?Top 7 of 7 triggers
Our ML model uses 200+ signals from public data. These are the most influential for this app:
| Excellent rating (4.8★)METRIC | +$2,200 | |
| bugsREVIEW | −$1,800 | |
| excellent appREVIEW | +$1,500 | |
| Low install base (1,257 ratings)METRIC | +$1,500 | |
| Mature app (13y old)METRIC | +$1,500 | |
| slowREVIEW | −$1,200 | |
| Ad-supported / freemiumMETRIC | +$600 |
METRIC = structural app data · REVIEW = mined from user reviews · ✓ VERIFIED = Stripe-verified anchor (TrustMRR)
📈 Reviews Growth
LIVECumulative review count from first BU snapshot. Each point = a tracked update.
⭐ Rating Trend
LIVEAverage rating evolution. Updates with each new review batch.
🆕 What's New · v4.120.0.14725
• Zmiany w dolnym menu aplikacji:
w miejscu profilu umieściliśmy dostęp do ofert i wniosków
dostęp do profilu przenieśliśmy w miejsce wylogowania
• Na widżecie Dla Ciebie pozostaje dostęp do bonusów, czyli zniżek i programów lojalnościowych… Full release notes →
w miejscu profilu umieściliśmy dostęp do ofert i wniosków
dostęp do profilu przenieśliśmy w miejsce wylogowania
• Na widżecie Dla Ciebie pozostaje dostęp do bonusów, czyli zniżek i programów lojalnościowych… Full release notes →
Profile & Insights
Everything we know — and don't — about this app and its company.
Identification
- App name
- PeoPay
- Developer
- Bank Pekao SA
- Bundle ID
- pl.pekao.pekaosa.peopay
- App Store URL
- Open in App Store
- Category
- Finance
- Content rating
- 12+
- Languages
- EN, PL, UK
Company
- Website
- Not found
- Tagline
- Today
- Description
- Find apps and games for iPhone, iPad, Mac, and more on the App Store.
- Founded
- Not found
- HQ / Address
- Not found
- Employees
- Not found
- Logo
- Available
Revenue
- Reported revenue signal / mo
- Not found
- AI revenue estimate / mo
- Not found
- AI annual estimate
- Not found
- Model estimate / mo
- $2.0M/mo
- Top-grossing rank
- Outside top 100 in US Finance
- All-time revenue
- Not found
- Pricing
- Not found
Founder
Founder data not yet collected for this app.
Funding
Funding data not yet collected for this app.
Press & Links
Press & Links data not yet collected for this app.
Contacts & Socials
Contacts & Socials data not yet collected for this app.
📈Ratings growth1,369 ratings+136800% lifetimeShow 3-year history estimate ▾
Tracked (51 weeks) Pre-tracking estimate (0 weeks) · model-based, ±5% noise · anchored to release date and current value
🌍Geographic ReachNot ranked
This app is currently outside the top 100 grossing in all 9 countries we monitor (US, UK, DE, FR, JP, CA, AU, BR, IN). Niche or new apps often launch this way — popularity rankings appear once daily revenue clears the regional threshold.
🚀Update Frequency · Releases per Quarter3 releases tracked
🚀Version Release Timeline3 releases tracked
Profile is built from iTunes Lookup + developer site scrape + ML revenue model. Empty fields show "Not found" — additional sources (Crunchbase, X, IndieHackers, Acquire.com) coming.
📝 About this app
Z aplikacją PeoPay masz szybki i wygodny dostęp z poziomu smartfona do swojego konta osobistego i firmowego, kart oraz oszczędności. Zyskujesz dostęp do swoich finansów 24/7 – niezależnie od tego, gdzie jesteś. W aplikacji m.in. sprawdzisz saldo i historię konta bankowego, opłacisz rachunki, skorzystasz z BLIKA, a także złożysz online wniosek o kartę kredytową lub pożyczkę gotówkową. Wszystko to bez wychodzenia z domu!
Nie jesteś klientem Pekao? Otwórz konto na selfie w PeoPay lub przez mObywatel albo udaj się do oddziału.
Odkryj z nami zalety bankowości mobilnej!… View full description on the official store →
Nie jesteś klientem Pekao? Otwórz konto na selfie w PeoPay lub przez mObywatel albo udaj się do oddziału.
Odkryj z nami zalety bankowości mobilnej!… View full description on the official store →
App Specs
🔐 Own this app? Claim & verify MRR →💾 236 MB🔞 12+📱 iOS 16.0.0+🔖 v4.120.0.14725🔄 updated 2mo ago🌐 EN, PL, UK📂 Finance💰 Free🚀 Launched 2013 (13y old)
📅
What Worked™ · Development Pipeline
16 EVENTS TRACKEDDetected changes in this app over its tracked lifetime — each event links cause (what changed) to effect (what moved). Sorted newest first.See full history →Version history →
2026-08
🔧
Shipped update — v4.116.0.14653 → v4.120.0.14725
→ 30 days after: reviews +45 high confidence
2026-05
🔧
Shipped update — v4.114.1.14599 → v4.116.0.14653
→ 30 days after: reviews +27 high confidence
2026-05
🔄
Monetization changed: freemium → free
→ 30 days after: reviews +27 high confidence
2026-03
⭐
Rating ↑ 4.46 → 4.80 (improved 0.34★)
2026-03
📈
Crossed 500 ratings — social-proof flywheel kicking in
2024-05
📈
Crossed 100 ratings — social-proof flywheel kicking in
2024-05
📈
Crossed 100 ratings — social-proof flywheel kicking in
→ 30 days after: reviews +7 high confidence
2023-04
📈
Crossed 50 ratings — social-proof flywheel kicking in
2023-04
📈
Crossed 50 ratings — social-proof flywheel kicking in
→ 30 days after: rating +0.07★ high confidence
2020-12
⭐
Rating ↑ 2.50 → 3.00 (improved 0.50★)
→ 30 days after: rating +0.18★ high confidence
2020-11
⭐
Rating ↑ 2.10 → 2.50 (improved 0.40★)
→ 30 days after: rating +0.50★ high confidence
2020-06
📈
Crossed 10 ratings — social-proof flywheel kicking in
→ 30 days after: rating −0.12★ high confidence
2020-02
⭐
Rating ↑ 1.71 → 2.13 (improved 0.42★)
2018-11
⭐
Rating ↑ 1.67 → 2.00 (improved 0.33★)
2018-04
⭐
Rating ↓ 2.00 → 1.50 (dropped 0.50★)
2018-03
🚀
First tracked snapshot — initial data captured
→ 30 days after: rating −0.50★ high confidence
🌍
Multi-Country Performance
Available in 9 of 9 monitored markets| Market | Rating | Reviews | Current version |
|---|---|---|---|
| 🇺🇸 US | 4.76788★ | 1,370 | 4.76788★ this version |
| 🇬🇧 GB | 4.73472★ | 2,062 | 4.73472★ this version |
| 🇩🇪 DE | 4.74378★ | 1,206 | 4.74378★ this version |
| 🇫🇷 FR | 4.68085★ | 235 | 4.68085★ this version |
| 🇯🇵 JP | 4.4★ | 15 | 4.4★ this version |
| 🇨🇦 CA | 4.75812★ | 277 | 4.75812★ this version |
| 🇦🇺 AU | 4.72368★ | 76 | 4.72368★ this version |
| 🇧🇷 BR | 5★ | 4 | 5★ this version |
| 🇮🇳 IN | 4.82278★ | 79 | 4.82278★ this version |
🔔
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📝 Description
95
BU Score · Transcendent
Full revenue analysis
Read the article-style breakdown for PeoPay: category rank, percentile, growth signal, comparable apps, and how the forecast is calibrated against verified-MRR anchors in this niche.
More by Bank Pekao SA
View all →📦 Portfolio summaryBIG studio
6apps·$4.0M/mocombined
Lead-app heavy — top app contributes 50%
About this analysis
Why medium confidence: 1,257 ratings · no founder-verified revenue (model estimate only).
❓ Frequently Asked Questions
10 answers · auto-generated from this app's public dataHow much does PeoPay make per month?▴
Based on our ML-calibrated revenue forecast, PeoPay earns approximately $2.0M/mo. This is a US-storefront-equivalent estimate; global revenue can be several times larger for internationally-distributed apps. See the methodology page for the full formula and confidence bands.
Is PeoPay profitable?▴
With estimated build cost $225K and monthly revenue $2.0M, PeoPay looks highly profitable — pays back its build investment in under a month at the current run-rate. Profitability also depends on paid-acquisition spend and refund rate which the public model doesn't see.
How many users does PeoPay have?▴
Estimated audience: ~52K lifetime downloads, ~4K monthly active users, and ~1K daily active users. Derived from ratings count × category installs-per-rating × age decay. US-storefront-equivalent — global audience can be 5-10× larger for internationally-distributed apps.
What apps are like PeoPay?▴
Browse the full Finance category catalog to find similar apps with revenue, build cost, audience and tech stack data. Each /p/{slug} page also shows a Compare side-by-side widget with three peer apps from the same niche.
What is PeoPay built with?▴
Our heuristic places PeoPay on the Native iOS (Swift / UIKit) stack (Medium confidence, 55%). Signals: app bundle size, category context, store-description markers, release-date era. We don't disassemble binaries. Alternative possibilities: React Native, Flutter.
Is PeoPay still actively maintained?▴
Maintenance status: Active (15% abandonment risk). Last shipped version was 2 months ago. The risk score combines time-since-last-update with Editor's Choice / curated featuring + user-base maturity adjustments.
How much would PeoPay sell for?▴
Estimated acquisition value: $47.5M (marketplace range $35.5M – $62.0M). Calculated as 24× monthly revenue using the standard multiple for the detected monetization model + adjustments for age, rating quality and category demand. Calibrated against 2024-2026 Flippa / Acquire.com / MicroAcquire closed-deal medians.
When was PeoPay last updated?▴
PeoPay last shipped a new version on 2026-08-24 — 2 months ago. This is the date Apple / Google last accepted a new build, not a content-only push.
Who makes PeoPay?▴
PeoPay is published by Bank Pekao SA on the Apple App Store. See the full publisher portfolio (other apps by the same developer) via the More by developer block on the product page above.
What is PeoPay's BU Score?▴
PeoPay has a BU Score of 63/100 (Solid). The score combines App Store rating, ratings count, monetization model and revenue signals calibrated against founder-verified MRR anchors. See the BU Score formula.