myRAMS

The official Mobile Banking app for RAMS customers.

RAMS Financial Group Pty Ltd · au.com.rams.RAMS

Not rated yet 50K+ downloads v4.0.0 32.2 MB Android 7.0+ PEGI 3 · Everyone

Download APK 32.2 MB All versions

Signature matches the Google Play version Details

At a glance

Latest version: v4.0.0 (42100400)
Updated: Aug 3, 2026 (2 months ago)
APK size: 32.2 MB
Requires: Android 7.0+ (API 24)
CPU support: ARM 64-bit
Category: Finance (app)
Listed since: Jul 12, 2021 (at least)
Permissions: 12 (3 sensitive)
Website: rams.com.au/myrams
Developer contact: [email protected]
Privacy: Developer's privacy policy

About this APK

myRAMS is an app by RAMS Financial Group Pty Ltd in the Finance category, listed since at least July 2021. It includes native code only for ARM 64-bit, so it won't install on phones that can only run 32-bit apps.

Since version 2.5.4, the minimum Android version rose from 5.0 to 7.0. It asks for 12 permissions, 3 of them sensitive: call phone, read shared storage and modify shared storage. It asks for the same permissions as version 3.2.0.

What's new in v4.0.0

We’ve made updates to improve your experience: - Updated branding to show RAMS loans are now powered by Pepper Money - Added Pepper Money disclosures and disclaimers - Removed the option to consent to sharing your data with third parties, as this feature is not available - Added a consent step for Move Money transactions, requiring you to accept the Terms and Conditions before proceeding

Description

From the listing uploaded by “appupdater”.

myRAMS Mobile Banking is designed to give customers an easy to use, intuitive and secure environment. • It’s faster, simpler and more consistent. • Separate BPAY and Payee limits • Intuitive design means simpler, faster access to key functions • Check account balances, transactions, account details • Schedule and manage payments, including BPAY® • Move money between accounts, Payee or Biller. • Quick logon 4-digit PIN to logon. • Manage your settings Information is current at the time of download and subject to change. Terms, conditions and eligibility criteria, fees and charges apply. Pepper Money Limited ABN 55 094 317 665 AFSL and Australian Credit Licence 286655 is the servicer of home loans owned by Pepper Finance Corporation Limited ABN 51 094 317 647. For RAMS loans and RAMS deposit accounts closed on or before 31 July 2026: Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Pepper Money Limited also services these accounts. Pepper Money Limited and its subsidiaries use the RAMS trademarks and brands under licence from RAMS Financial Group Pty Ltd. BPAY® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.

Version history

4 versions are listed, going back to v2.5.4. Since v3.1.1 it requires Android 7.0+.

v4.0.0 LATEST Aug 3, 2026 32.2 MB TRUSTED v3.2.0 Mar 4, 2026 31.7 MB TRUSTED v3.1.1 Oct 10, 2025 32.7 MB TRUSTED v2.5.4 Aug 17, 2024 20 MB TRUSTED

All 4 versions

Security & authenticity

Security rating: Trusted

Signing certificate

Signature matches the Google Play version Checked by the source store on Aug 3, 2026.
Certificate issued to “Westpac Banking Corporation” This is the certificate of the Google Play version.
Same certificate as the 2 other versions checked

Store checks and file details

Developer signature verified Aug 3, 2026
Validated against Google Play Aug 3, 2026
Signed byCN=Rams, OU=Rams, O=Westpac Banking Corporation, L=Sydney, ST=NSW, C=AU
Signing certificate (SHA-1)60:D3:01:CC:61:B2:2A:76:39:A3:98:8E:EB:52:9D:03:9B:D3:A6:0A
File MD52fe1b2868e863364494e8c65644c6768
Uploaded by “appupdater” Gold tier · 117,810 followers · uploading since 2020

Scans and ratings come from the source store; the certificate comparisons are AAPKs's own, made from the files' published signatures (2 other versions compared). AAPKs doesn't scan files itself — compare the MD5 and signer after downloading.

Permissions (12)

myRAMS requests 12 permissions, 3 of them sensitive.

Call phone Sensitive android.permission.CALL_PHONE
Modify shared storage Sensitive android.permission.WRITE_EXTERNAL_STORAGE
Read shared storage Sensitive android.permission.READ_EXTERNAL_STORAGE
Download without notification android.permission.DOWNLOAD_WITHOUT_NOTIFICATION
Full network access android.permission.INTERNET
Google Play install referrer com.google.android.finsky.permission.BIND_GET_INSTALL_REFERRER_SERVICE
Internal broadcast protection (app-defined) au.com.rams.RAMS.DYNAMIC_RECEIVER_NOT_EXPORTED_PERMISSION
Prevent the device from sleeping android.permission.WAKE_LOCK
Use biometric hardware android.permission.USE_BIOMETRIC
Use fingerprint hardware android.permission.USE_FINGERPRINT
View Wi-Fi connections android.permission.ACCESS_WIFI_STATE
View network connections android.permission.ACCESS_NETWORK_STATE

Required hardware & features

Basic touch input android.hardware.faketouch
Telephony (SIM) android.hardware.telephony
Wi-Fi android.hardware.wifi

myRAMS APK: questions and answers

Can I install this APK over the version I already have?

Yes, if your installed copy is older. It is signed like the Google Play version, so Android installs it as an update and keeps your data.

Is the myRAMS APK safe?

No one can promise that a file is safe, but some things can be checked. The source store rates this file Trusted. Its signature matches the Google Play version. It is signed with the same certificate as the 2 other versions checked. After downloading, check that the file's MD5 is 2fe1b2868e863364494e8c65644c6768.