Comparison

WayForPay vs Банк Власний Рахунок

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

Head to head
About

WayForPay

Manage your store's online payments directly from your mobile device. This app offers comprehensive tools for controlling transactions, configuring your store, and generating reports. It also supports offline payments via QR codes and provides real-time notifications.

Highlights
  • Control and analyze online payments
  • Configure store settings
  • Manage SPTR
  • Confirm payments and issue refunds
  • Create and edit payment buttons and invoices
  • Accept offline payments via QR terminal
  • Generate reports
Features
Read full description

WayForPay is an application that allows you to manage payments in your store from your mobile. Almost like in your personal account in the service. The WayForPay mobile application has all the necessary functions for comfortable control and management of online payments in the store. In the WayForPay application, you can: — Control and analyze online payments; — Configure the store. — Add and manage SPTR. — Confirm payment or make a refund. — Create and edit Payment Buttons, Social Invoices and Invoices. — Accept payments offline, using a QR terminal. — You can sign a contract and acts. — Create the necessary reports. Additional features: — Login to the Personal Account on desktops, using a QR code. — Push notifications about successful/unsuccessful payments. The application is constantly updated. We try to make it the most convenient tool for running your business. Developed by the payment service WayForPay

About

Банк Власний Рахунок

This digital banking app offers convenient management of personal and credit funds, with special benefits for shopping at "Silpo". Open virtual cards, earn loyalty points, and manage loans, currency, and deposits all from your smartphone.

Highlights
  • Virtual card in 5 minutes
  • 1% back in balobonus points
  • Credit limit up to 100,000 UAH
  • Installment payments
  • Currency cards in USD/EUR
  • High-interest deposits
  • Smart expense tracking
Features
Read full description

Bank Vlasnyy Rakhunok — a digital bank for "Silpo" guests With my card, shopping at "Silpo" is super beneficial! More balobonus points for purchases, both personal and credit funds — all in your smartphone. You can open a virtual card in just 5 minutes using the Bank Vlasnyy Rakhunok app. Perks for shopping at "Silpo" with the Bank Vlasnyy Rakhunok card: • 1% back in balobonus points for food purchases • Free card top-ups at the cash registers • Cash withdrawals at all "Silpo" cash registers, unless there is an air raid warning How to get the card? • Download the Bank Vlasnyy Rakhunok mobile app • Verify your documents via the "Diia" app, fill out the form, and set your PIN • Get your virtual card in 5 minutes, add it to Apple/Google Pay, and use it immediately! • Want a physical one? Get it at the "Silpo" cash register, and the money for it will be refunded as balobonus points after the first purchase. Balobonus points: • 1% in balobonus points guaranteed for food purchases at "Silpo" • Use your balobonus points at "Silpo", MAUDAU, LOKO — quick food delivery as early as the next day after purchase • 1 balobonus = 1 UAH — for the maximal benefit! About credit: • Virtual credit card in your Apple/Google Pay wallet • Credit limit up to 100,000 UAH, with a grace period of up to 62 days • Interest rates during the grace period — 0.00001% per month • Interest rate after the grace period is 3% per month, with an annual equivalent of 43.1% Installment payments: • Installment payments for shopping from 500 UAH • I will refund the entire receipt amount to your card • Pay in equal installments over 3 months • Monthly commission — 2% About currency cards: • Opening a currency card in USD or EUR — free • Virtual card in the app without plastic • Cash top-ups through VST Bank and non-cash transfers from card to card — free • Convenient way to buy currency online without commission. Check the rate in the bank’s app • Currency converter — check the exchange rate online in the bank's app • Instant currency transfers to a foreign bank card, with a commission of only 1% About deposits: • Interest rates for UAH deposits with terms up to 12 months, ranging from 7% to 14.5% annually About "Nazbyratus": • Open "Nazbyratus" and save for your dreams — 5% per year, calculated daily • Free access to funds — deposit and withdraw whenever you want About payments and transfers: • 0.5% + UAH 5 fee for card-to-card transfers to cards issued by other Ukrainian banks using your own funds • 4% + UAH 5 fee for card-to-card transfers to cards issued by other Ukrainian banks using credit funds • Pay for utilities, electricity, and mobile top-ups with no commission • Smart expense tracking — track all expenses, bills, and finances Well, do you want to try? Download the Bank Vlasnyy Rakhunok app and get your card easily and online! Website: https://bvr.ua JSC "VST Bank". Banking license from the National Bank of Ukraine №204 from 16.09.2025, Ukraine, Kyiv

Screenshots

WayForPay4 screens
Банк Власний Рахунок4 screens

Verdict

The call

The clearest difference is ads: WayForPay at none against Банк Власний Рахунок's shown. WayForPay also leads on monetization model (free vs free with in-app purchases). Банк Власний Рахунок's advantage is update cadence (every 2 weeks vs monthly) and review sentiment (43% vs 32%). On price, in-app purchases, device support and iOS requirement 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.

UpkeepUpdate frequency

WayForPay ships an update monthly, Банк Власний Рахунок every 2 weeks. The most recent releases landed on November 3, 2026 and November 7, 2026 respectively.

Scorecard4 real differences · 6 level
WayForPay versus Банк Власний Рахунок: the parameters behind the verdict, then further details
ParameterWayForPayБанк Власний Рахунок
PriceFreeFree
Rating—4.4 (50 ratings) — better
Positive reviews31.8% of reviews43.5% of reviews — better
Number of ratings—50 — better
Update frequencyMonthlyEvery 2 weeks — better
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.615.0 — better
Further details — not scored
Size61 MB348 MB
Age rating4+4+
DeveloperWayforpay.comVST BANK JSCo

Customer experience

WayForPay

Written reviews44 reviews
Positive31.8%
Neutral6.8%
Negative61.4%

Банк Власний Рахунок

All ratings50 ratings
Positive84.0%
Neutral0.0%
Negative16.0%
Written reviews69 reviews
Positive43.5%
Neutral2.9%
Negative53.6%

In-app purchases

None

WayForPay

No in-app purchases

None

Банк Власний Рахунок

No in-app purchases

Questions

Is WayForPay free?
WayForPay is free to download, with no in-app purchases.
Is Банк Власний Рахунок free?
Банк Власний Рахунок is free to download, with no in-app purchases.
Do WayForPay or Банк Власний Рахунок have ads?
Банк Власний Рахунок shows ads; WayForPay does not.
Which is updated more often, WayForPay or Банк Власний Рахунок?
WayForPay ships an update monthly, and Банк Власний Рахунок every 2 weeks. Most recently, WayForPay was updated on November 3, 2026 and Банк Власний Рахунок on November 7, 2026.

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