# Paynet Wallet vs MICB Token

The clearest difference is rating: MICB Token at 4.7 against Paynet Wallet's 4.2. MICB Token also leads on iOS requirement (13.0 vs 15.0). Paynet Wallet's advantage is update cadence (every 8 days vs every 13 months) and ratings volume (19 vs 6). On price, ads, in-app purchases and monetization model there is nothing between them.

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

MICB Token holds the better App Store score, 4.7 against 4.2. Both are backed by a comparable volume of ratings — 19 and 6 respectively.

Paynet Wallet ships an update every 8 days, MICB Token every 13 months. The most recent releases landed on September 14, 2026 and September 17, 2026 respectively.

## The numbers

| Metric | Paynet Wallet | MICB Token |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.2 (19 ratings)](https://appshunter.io/ios/app/paynet-wallet/id1099475166/reviews) | **[4.7 (6 ratings)](https://appshunter.io/ios/app/micb-token/id6444040654/reviews)** |
| Number of ratings | **19** | 6 |
| Positive reviews | 66.7% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 8 days** | Every 13 months |
| Monetization | Free | Free |
| Size | 445 MB | 16 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [PayPoint LLC](https://appshunter.io/developer/848957901) | [BC Moldindconbank S.A.](https://appshunter.io/developer/964768028) |

## What reviewers say

### Paynet Wallet

[App page](https://appshunter.io/ios/app/paynet-wallet/id1099475166)

Manage your finances with an e-wallet offering payment accounts in Moldova and EU countries. Open an account in minutes, get a debit card, and enjoy free withdrawals and real-time transaction alerts. Control your card settings and make effortless local and international transfers.

**Highlights:** Open payment accounts in Moldova and EU, Virtual or physical Mastercard debit card, Free ATM withdrawals in Moldova, Real-time transaction alerts, Card control features (lock/unlock, PIN reset, limits), Local and international IBAN support, Affordable international transfers, Free bank transfers via MIA Instant Payments

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


### MICB Token

[App page](https://appshunter.io/ios/app/micb-token/id6444040654)

Securely authenticate and authorize banking transactions from any device. This app offers mobility and eliminates device dependency for business customers, providing a seamless user experience with push notifications and biometric or PIN authorization.

**Highlights:** Secure authentication, Transaction authorization, Cross-device mobility, Push notifications, Biometric/PIN login, Online and offline modes

**In-app purchases:** none


## Frequently asked questions

### Is Paynet Wallet free?

Paynet Wallet is free to download, with no in-app purchases.

### Is MICB Token free?

MICB Token is free to download, with no in-app purchases.

### Which has better reviews, Paynet Wallet or MICB Token?

MICB Token is rated higher. Paynet Wallet averages 4.2 out of 5 from 19 ratings, while MICB Token averages 4.7 from 6 ratings.

### Do Paynet Wallet or MICB Token have ads?

Neither Paynet Wallet nor MICB Token shows ads.

### Which is updated more often, Paynet Wallet or MICB Token?

Paynet Wallet ships an update every 8 days, and MICB Token every 13 months. Most recently, Paynet Wallet was updated on September 14, 2026 and MICB Token on September 17, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*