Comparison

LiquidPay vs FWD SG

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

LiquidPay

This mobile payment app simplifies online transactions with quick, secure, and convenient QR code scanning. Access exclusive discounts and vouchers from numerous merchants, which are automatically applied at checkout. Advanced security and encryption protect your data, with optional Touch ID or PIN code access.

Highlights
  • QR code payments
  • Exclusive offers and vouchers
  • Automatic discount application
  • Advanced security and encryption
  • Touch ID/PIN code protection
  • Voucher sharing
Features
Read full description

DISCOVER SEAMLESS TRAVEL PAYMENTS LiquidPay V2 makes travel easier with seamless cross-border payments and real-time money transfers, where available. PAY OVERSEAS WITH YOUR HOME CURRENCY Scan and pay overseas merchants using local QR codes across the RoamQRTM network, while paying in your home currency with transparent exchange rates and a smooth payment experience. GLOBAL RESIDENT SIGN-UP Designed for global travellers and residents, LiquidPay V2 offers easy sign-up for supported international users, so you can get started quickly and manage your spending on the go. REAL-TIME INTERNATIONAL TRANSFERS Send money to Singapore, Malaysia and India with fast, secure transfers directly from the app. TRAVEL WITH GREATER PEACE OF MIND Stay in control with built-in spending controls and enhanced security features that help protect your wallet anytime, anywhere.

About

FWD SG

Manage your insurance policies, submit claims, and access policy documents all in one place. This app offers convenient features like biometric login, cashless payments, and a chatbot for support. Stay updated on news, promotions, and referral rewards.

Highlights
  • All-in-one policy management
  • Biometric and face ID login
  • Seamless claims submission
  • Update personal particulars
  • Workshop and clinic locator
  • Cashless payment with e-card
  • 24/7 chatbot support
Features
Read full description

Get a quote, buy or manage your policies with the FWD SG app. Because at FWD, we believe in making insurance simple and convenient for you through technology and innovation, so that you focus your time and energy on people who matters most. • ALL IN ONE: Say bye to multiple logins by using your online service account. Find it hard to remember your passwords? Simply login by turning on your biometrics or face ID. • VIEW POLICY DETAILS AND RETRIEVE POLICY DOCUMENTS: Worried about missing a policy renewal? Log in to the app and you’ll find your policy details in a jiffy! If you’re an insured (and not policy owner) of the policy, you can view your policy details via the app too. Just remember to sign up for an account with us as an insured. • SEAMLESS CLAIMS SUBMISSION: Submit your claims hassle-free by taking photos of your documents and uploading them via the app. • UPDATE PERSONAL PARTICULARS: Change your address, mobile number or any other personal details with ease. • LOCATE A WORKSHOP OR CLINIC: Find the nearest car or motorcycle workshop, or a nearby clinic for yourself or your maid with our workshop/clinic locator. • CASHLESS PAYMENT WITH YOUR E-CARD: Flash your eCard at the clinic in Singapore to enjoy cashless payment (up to S$500). One less thing to worry about when you’re ill. • CONTACT US: Faith, our dependable chatbot is here 24/7! Or schedule a call back through the app to have our friendly service colleagues reach out to you. • NEWS, ANNOUNCEMENTS, BLOGS: Stay updated on our latest announcements, travel news, or exciting financial and insurance knowledge on our blog. • PROMOTION: Be updated with our latest promotions and launches. Afterall, who doesn’t love a good deal? • TRACK YOUR REFERRAL REWARDS & RECEIVE YOUR PAYOUT: Love FWD and have been referring friends to the community? You can track the status of your referrals and make arrangements for your payout through the app. Just tell us the mobile number connected to your PayNow account and we’ll make the transfer. Easy! Stay tuned for more features coming soon!

Screenshots

LiquidPay4 screens
FWD SG4 screens

Verdict

The call

The clearest difference is rating: FWD SG at 4.5 against LiquidPay's 3.7. FWD SG also leads on ratings volume (24 vs 3). LiquidPay's advantage is review sentiment (50% vs 31%) and update cadence (every 9 days vs monthly). On price, ads, in-app purchases and monetization model there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

FWD SG holds the better App Store score, 4.5 against 3.7. That said, the two scores are not equally well evidenced: FWD SG has 24 ratings behind it against 3, so its average is the more settled of the two. Written reviews complicate that: 50% of LiquidPay's written reviews are positive against 31% of FWD SG's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

LiquidPay ships an update every 9 days, FWD SG monthly. The most recent releases landed on October 24, 2026 and October 22, 2026 respectively.

Scorecard4 real differences · 6 level
LiquidPay versus FWD SG: the parameters behind the verdict, then further details
ParameterLiquidPayFWD SG
PriceFreeFree
Rating3.7 (3 ratings)4.5 (24 ratings) — better
Positive reviews50.0% of reviews — better30.9% of reviews
Number of ratings324 — better
Update frequencyEvery 9 days — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.615.0 — better
Further details — not scored
Size89 MB146 MB
Age rating4+4+
DeveloperLiquid Group Pte. Ltd.FWD Singapore Pte. Ltd.

Customer experience

LiquidPay

All ratings3 ratings
Positive66.7%
Neutral0.0%
Negative33.3%
Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

FWD SG

All ratings23 ratings
Positive91.3%
Neutral0.0%
Negative8.7%
Written reviews55 reviews
Positive30.9%
Neutral16.4%
Negative52.7%

In-app purchases

None

LiquidPay

No in-app purchases

None

FWD SG

No in-app purchases

Questions

Is LiquidPay free?
LiquidPay is free to download, with no in-app purchases.
Is FWD SG free?
FWD SG is free to download, with no in-app purchases.
Which has better reviews, LiquidPay or FWD SG?
FWD SG is rated higher. LiquidPay averages 3.7 out of 5 from 3 ratings, while FWD SG averages 4.5 from 24 ratings.
Do LiquidPay or FWD SG have ads?
Neither LiquidPay nor FWD SG shows ads.
Which is updated more often, LiquidPay or FWD SG?
LiquidPay ships an update every 9 days, and FWD SG monthly. Most recently, LiquidPay was updated on October 24, 2026 and FWD SG on October 22, 2026.

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