eMoney End User vs ACLEDA TOTP Token
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
eMoney End User
Perform financial transactions like payments, money transfers, and phone top-ups directly from your mobile device. No bank account is required to register and manage your finances with ease.
- One-click transactions
- No bank account required
- Unlimited telecom operations
- Instant phone top-up discounts
- QR code payments
- 2-layer password security
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eMoney – Leading Mobile Finance Provider, developed by E-MONEY PAYMENT SOLUTIONS PLC. With eMoney application, you can perform any transactions such as payment, money transfer, phone top up, and so on, by just one click, and do not need to visit physical bank. IMMEDIATE SIMPLE WITH ACTION: - No bank account is required - Unlimited telecom operation - Register account within a minute - Online KYC, simple and easy TRANSFER MONEY UNLIMITED - Transfer to your family and anyone anywhere, anytime via eMoney account or Non-eMoney account users - Transfer to your local bank account - Cash-in/cash-out at over 8,000 agents nationwide. PHONE TOP UP CANNOT BE CHEAPER - Top up to your phone balance with instant discount 3-5% - Exchange and buy data via eMoney to get more benefit 30% BILL PAYMENTS ALL 25 PROVINCES AND CITIES - Electric/water bill, Internet, TVs, etc - Loan repayment, Micro finance, school fee, etc QR PAYMENT - Customer can make payment when buy goods or services at retails shops or online shops by using QR Payment, request pay.QR Pay is the easiest and quickest payment method where payment will be performed by scanning QR code via eMoney APP ABSOLUTE SECURITY - 2-layer password security and authentication code are absolutely safe (customer can choose authentication by USSD or SMS) HASSLE-FREE - Get your salary on time. - Risk-free of handling cash. START your new payment experience on your mobile phone - Hotline support and answers: 1568 or 0236 868 868 - Website: https://emoney.com.kh
ACLEDA TOTP Token
This app transforms your mobile device into a security token for strong authentication. It generates one-time passwords (OTPs) to protect your ACLEDA Swift Server Account, offering features like QR code activation and PIN protection for enhanced security.
- Security Token Authenticator
- One-Time Password (OTP) Generation
- Swift QR Code Activation
- PIN Protected for Security
- Real Time Token Activation
- Token Locking after Wrong Attempts
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Make your mobile device a convenient, easy-to-use, anytime anywhere Security Token Authenticator. Protect your ACLEDA Swift Server Account with AXIOM TOTP Token for strong authentication. This app requires a software token for generating one-time passwords (OTPs) for authentication and authorization of your Swift Server login. The ACLEDA TOTP Token 1.0 for your mobile device includes the following: - Swift QR code Activation. - Dedicated ACLEDA Bank Token. - Supports phones and tablets. - Easy to use flow for quick easy One Time Password Generation And Usage. - PIN Protected for security in case of theft. - Real Time Token Activation and Time Check to sure effective OTP generation. - Token Locking after 5 wrong attempts Please request QR code from ACLEDA Bank Swift Server to get started after installing the token on your phone. We welcome your comments and feedback and if you need further assistance, please email us at acledabank@acledabank.com.kh
Screenshots
Verdict
The clearest difference is rating: eMoney End User at 4.1 against ACLEDA TOTP Token's 3.6. eMoney End User also leads on update cadence (every 3 weeks vs every 16 months) and ratings volume (91 vs 5). ACLEDA TOTP Token's advantage is iOS requirement (11.0 vs 15.0). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
eMoney End User holds the better App Store score, 4.1 against 3.6. That said, the two scores are not equally well evidenced: eMoney End User has 91 ratings behind it against 5, so its average is the more settled of the two.
eMoney End User ships an update every 3 weeks, ACLEDA TOTP Token every 16 months. Both last shipped on October 24, 2026.
| Parameter | eMoney End User | ACLEDA TOTP Token |
|---|---|---|
| Price | Free | Free |
| Rating | 4.1 (91 ratings) — better | 3.6 (5 ratings) |
| Positive reviews | 60.0% of reviews | — |
| Number of ratings | 91 — better | 5 |
| Update frequency | Every 3 weeks — better | Every 16 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 | 11.0 — better |
| Further details — not scored | ||
| Size | 423 MB | 23 MB |
| Age rating | 12+ | 4+ |
| Developer | Metfone | ACLEDA Bank Plc. |
Customer experience
eMoney End User
ACLEDA TOTP Token
In-app purchases
eMoney End User
No in-app purchases
ACLEDA TOTP Token
No in-app purchases
Questions
Is eMoney End User free?
Is ACLEDA TOTP Token free?
Which has better reviews, eMoney End User or ACLEDA TOTP Token?
Do eMoney End User or ACLEDA TOTP Token have ads?
Which is updated more often, eMoney End User or ACLEDA TOTP Token?
Other comparisons
