T vs e.PN
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
T
Manage your finances with a dedicated account for easy remittances and transactions. This convenient app lets you send money, make payments, and purchase goods and services.
- Remittance services
- Financial transactions
- Fund transfers
- Withdrawals
- Bill payments
- Goods and services purchases
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T-Plus allows you to experience a whole new method of remittance and many financial transactions by maintaining a T-Plus account. This is both convenient and easy to use. You will be able to remit, withdraw, request, transfer funds as well as purchase goods and services and even pay your utility bills.
e.PN
Effortlessly pay for goods and services with virtual cards from international banks. Issue multiple cards and transfer funds quickly between accounts with no restrictions or blocks.
- Virtual cards from international banks
- Pay for goods and services
- No restrictions or blocks
- Issue multiple cards
- Transfer funds between accounts
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No restrictions or blocks. Pay for the services you need quickly and effortlessly using virtual cards from international banks. Our product allows issuing multiple cards for one user at once and transferring funds from one account to another in just a couple of clicks.
Screenshots
Verdict
The clearest difference is review sentiment: e.PN at 81% against T's 31%. e.PN also leads on rating (4.6 vs 4.2) and update cadence (every 9 days vs every 2 months). On price, ratings volume, ads and in-app purchases 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.
e.PN holds the better App Store score, 4.6 against 4.2. Both are backed by a comparable volume of ratings — 80 and 71 respectively. Written reviews point the same way: 31% of T's written reviews are positive against 81% of e.PN's.
T ships an update every 2 months, e.PN every 9 days. The most recent releases landed on September 18, 2026 and September 21, 2026 respectively.
| Parameter | T | e.PN |
|---|---|---|
| Price | Free | Free |
| Rating | 4.2 (80 ratings) | 4.6 (71 ratings) — better |
| Positive reviews | 31.3% of reviews | 81.4% of reviews — better |
| Number of ratings | 80 — better | 71 |
| Update frequency | Every 2 months | Every 9 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 16.0 — better | 17 |
| Further details — not scored | ||
| Size | 91 MB | 139 MB |
| Age rating | 4+ | 17+ |
| Developer | SomBank Ltd | Digital Waves LTD |
Customer experience
T
e.PN
Bugs and requests
T
Not enough reviews yet to summarise bugs or requests.
e.PN
Reported bugs
9 issues- Funds not credited after deposit
- App not working on phone
- Payment declines for subscriptions
- Support provides copy-paste replies
- Lost money on fees and top-up with unusable card
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- Crypto transfers not arriving
- Money stolen and accounts closed
- Cards not being issued
- No refund policy
Requested features
1 request- More details from original website, including FAQ section
In-app purchases
T
No in-app purchases
e.PN
No in-app purchases
