Toneo First vs Olkypay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Toneo First
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Adoptez une Mastercard® internationale 100% française, accessible à toutes et tous, sans conditions de revenus, sans engagement et sans risque de découvert ! Achetez votre carte dans nos 30 000 points de ventes partenaires en France ou en outre-mer, ou commandez-là depuis l’application et recevez là gratuitement à votre domicile, sans renseigner de numéro de carte bancaire. Comment ça fonctionne ? 1. Ouvrez un compte et faites vérifiez votre identité en 5 minutes via un selfie vidéo ! 2. Rechargez votre carte facilement et sans délais : Par l’échange de vos espèces contre des coupons recharges ToneoFirst ; Par virement bancaire ; Par transferts instantanés carte à carte ToneoFirst ; Par chargement par une autre carte bancaire. 3. Optez pour une formule adaptée à votre usage : Formule ZEN : pour une utilisation principale, pour 5€ par mois, vous avez droit à de nombreux avantages comme les retraits en DAB gratuits. Formule LIBERTÉ : pour une utilisation occasionnelle, vous n’avez pas d’abonnement mensuel mais vous êtes facturés en fonction de vos usages. Une carte de paiement Mastercard® : La carte TONEO FIRST est protégée par un code PIN et équipée d’une puce; Elle est acceptée dans tous les magasins équipés d’un terminal de paiement, dans tous les distributeurs de billets et sur tous les sites de commerce en ligne sécurisés. Visiter le site https://www.toneofirst.com L’argent déposé par les clients sur leur carte TONEO FIRST est sécurisé sur un compte de cantonnement logé chez PPS. PPS ne peut en aucun cas placer les dépôts de ses clients. Leur argent ne fait l’objet d’aucun placement spéculatif.
Olkypay
Manage personal and business accounts from a single interface. Facilitates secure and rapid transactions, including instant payments up to €100,000. Offers remote payment collection for businesses and online capital deposits for new companies.
- Unified personal and business account access
- Instant payments up to €100,000
- Remote payment collection for businesses
- Online capital deposit for new companies
- Card management (block/unblock)
- Transaction and balance monitoring
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Olkypay, the 1st neobank for everyone! The Olkypay application allows you to consult your accounts easily, quickly and securely, anywhere and anytime. Whether you are an individual or a company (self-employed, craftsman, trader, e-merchant, liberal profession, association, limited company, non-trading property company...) or even if you are only at the stage of depositing capital for your new company, Olkypay allows you to open an account in a few minutes by going to the website https://www.olkypay.com/EN/index.php. - Access your different business and personal accounts on the same interface - Take advantage of the separation between the card account and the current account for a more precise follow-up and offer card accounts to your employees - Find your last transactions, your balance and your upcoming transactions - Create, validate or cancel one-off and recurring transfers - Use Instant Payment (or instant transfer) up to €100,000 per transaction. Transfers are credited in less than 10 seconds anywhere in Europe, even at weekends and on public holidays - Create new beneficiaries - Block your card if it is lost or stolen and unblock it if you find it - Share your bank details - Set daily, weekly and monthly limits Companies, collect your customers in a smooth way: - Remote collection by virtual POS terminal - Distance selling contract for e-commerce sites - Provision of an authorisation number for debiting your customers (ICS) - Management of mandates with remote handwritten or electronic signature - Automatic collection of unpaid invoices - 100% online capital deposit for companies in the process of incorporation (capital deposit certificate within 48 working hours*) The Olkypay application is a free service available to Olkypay customers. Not yet an Olkypay customer? Subscribe in less than 5 minutes and receive the IBAN we have reserved for you! For INDIVIDUALS, go to https://register.olkypay.com/?_locale=en For PROS go to https://iban-express.olkypay.com/configurateur?_locale=en For more information: The Olkypay website: https://www.olkypay.com/EN/index.php Follow us on Facebook: https://www.facebook.com/Olkypay On Instagram: https://www.instagram.com/olkypay_official/ And on LinkedIn: https://www.linkedin.com/company/olky-payment-service-provider-s-a/ *Certificate of capital deposit sent after receipt of funds and draft statutes.
Screenshots
Verdict
The clearest difference is update cadence: Toneo First at monthly against Olkypay's every 2 months. On price, ads, in-app purchases and device support 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.
Toneo First ships an update monthly, Olkypay every 2 months. The most recent releases landed on October 5, 2026 and October 6, 2026 respectively.
| Parameter | Toneo First | Olkypay |
|---|---|---|
| Price | Free | Free |
| Rating | — | 4.0 (2 ratings) — better |
| Positive reviews | — | 28.6% of reviews |
| Number of ratings | — | 2 — better |
| Update frequency | Monthly — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 11.0 — better | 12.0 |
| Further details — not scored | ||
| Size | 49 MB | 98 MB |
| Age rating | 4+ | 4+ |
| Developer | Paycom | olkyrent sa |
In-app purchases
Toneo First
No in-app purchases
Olkypay
No in-app purchases








