S PAY GLOBAL vs AmOnline
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
S PAY GLOBAL
This e-wallet app facilitates secure digital payments for bills and purchases at participating merchants. Users can easily top up their balance and enjoy a cashless lifestyle with features like QR code payments, bill splitting, and peer-to-peer transfers.
- Scan & Pay using QR Codes
- Split bills
- Peer to peer fund transfers
- Loyalty Rewards discounts
- Bill subscription and payment
- Transaction history
Read full descriptionHide full description
SPayGlobal (also known as Sarawak Pay) is the Sarawak Government Fintech mobile app platform that provides a convenient and secured e-wallet functionality. Users can make digital payment for bills and purchases at participating merchants. Users can top up their e-wallet through internet banking and credit cards and enjoy the convenience of cashless payments. SPayGlobal allows users to: - Scan & Pay using QR Codes - Split bills amongst SPayGlobal users - Perform peer to peer fund transfers - Enjoy discounts vouchers within Loyalty Rewards - Purchase and renew insurance, pay study loans, order food, make donations, pay for street parking, etc. - Subscribe, manage and pay your bills - Check transaction history conveniently - Search or view merchant listing - Register and operate an Individual Merchant Account SPayGlobal is operated by SiliconNet Technologies Sdn Bhd (SNT), on behalf of the Sarawak Government. SNT holds an eWallet license from Bank Negara Malaysia. This App is available in English. Download Now to begin your cashless lifestyle! It’s FREE! Need assistance? Email us at customerservice@spayglobal.my Like and follow our Facebook page at @S PAY GLOBAL.
AmOnline
Manage your finances and everyday banking with this secure mobile app. Features include quick balance checks, money transfers, bill payments, and applying for new financial products. Link loyalty programs and investment accounts for a comprehensive financial overview.
- Quick balance checks
- Money transfers and bill payments
- Apply for new financial products
- Link loyalty programs (BonusLink)
- Manage ASNB and Tabung Haji accounts
- Enhanced security features (AmSecure, Kill Switch)
Read full descriptionHide full description
AmOnline is the only mobile banking app you need to manage your finances and everyday banking conveniently. With strong focus on security, your money is safe with us. -- Banking with AmOnline QUICK BALANCE Discreetly check your balance anytime, anywhere. SEARCH ASSISTANT Search for the features you need. QUICK ACTIONS Transfer money, pay bills, AmSecure Authorisation and more at your fingertips. DUITNOW Use DuitNow as a convenient way to send, request, and receive money instantly via any DuitNow ID. APPLY FOR SERVICES Apply for new products easily, whether you want to save, invest, borrow or insure/protect on the new AmOnline. -- More than Banking BONUSLINK Link your BonusLink membership to AmOnline. Convert your BonusLink Points to cash instantly. ASNB Link your ASNB account to AmOnline so you can purchase, top up and keep track of your ASNB funds. TABUNG HAJI Plan your Hajj with ease by linking your Tabung Haji account to AmOnline. Track your savings progress and Hajj status. -- Better Security AMSECURE & DEVICE BINDING We keep your money safe and ensure only you can approve transactions from a single device. COOLING-OFF PERIOD A 12-hour cooling-off period applies when you log in for the first time on a new device. KILL SWITCH Suspect fraud? Instantly suspend your AmOnline and AmBank cards.
Screenshots
Verdict
The clearest difference is rating: AmOnline at 5.0 against S PAY GLOBAL's 1.9. S PAY GLOBAL's advantage is review sentiment (23% vs 14%) and iOS requirement (12.0 vs 15.0). On price, ratings volume, update cadence and ads 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.
AmOnline holds the better App Store score, 5.0 against 1.9. Both are backed by a comparable volume of ratings — 9 and 5 respectively. Written reviews complicate that: 23% of S PAY GLOBAL's written reviews are positive against 14% of AmOnline's, so the app with the better star average is not the one people write more warmly about.
S PAY GLOBAL ships an update every 5 weeks, AmOnline every 3 weeks. The most recent releases landed on August 15, 2026 and September 24, 2026 respectively.
| Parameter | S PAY GLOBAL | AmOnline |
|---|---|---|
| Price | Free | Free |
| Rating | 1.9 (9 ratings) | 5.0 (5 ratings) — better |
| Positive reviews | 23.2% of reviews — better | 14.3% of reviews |
| Number of ratings | 9 — better | 5 |
| Update frequency | Every 5 weeks | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 12.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 50 MB | 138 MB |
| Age rating | 4+ | 4+ |
| Developer | Sarawak State Government | AmBank (M) Berhad |
Customer experience
S PAY GLOBAL
AmOnline
In-app purchases
S PAY GLOBAL
No in-app purchases
AmOnline
No in-app purchases
