# T vs e.PN

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.

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.

## The numbers

| Metric | T | e.PN |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.2 (80 ratings)](https://appshunter.io/ios/app/t-plus/id1300716879/reviews) | **[4.6 (71 ratings)](https://appshunter.io/ios/app/epn-virtual-cards/id6504874959/reviews)** |
| Number of ratings | **80** | 71 |
| Positive reviews | 31.3% of reviews | **81.4% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 9 days** |
| Monetization | Free | Free |
| Size | 91 MB | 139 MB |
| Requires iOS | **16.0** | 17 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 17+ |
| Developer | [SomBank Ltd](https://appshunter.io/developer/1517449838) | [Digital Waves LTD](https://appshunter.io/developer/1844813064) |

## What reviewers say

### T

[App page](https://appshunter.io/ios/app/t-plus/id1300716879)

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.

**Highlights:** Remittance services, Financial transactions, Fund transfers, Withdrawals, Bill payments, Goods and services purchases

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### e.PN

[App page](https://appshunter.io/ios/app/epn-virtual-cards/id6504874959)

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.

**Highlights:** Virtual cards from international banks, Pay for goods and services, No restrictions or blocks, Issue multiple cards, Transfer funds between accounts

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly interface
- 🚀 Fast and simple card issuance
- 💰 Favorable tariffs and competitive rates
- 💬 Responsive and helpful support
- 💳 Multiple virtual cards for different purposes

**What reviewers complain about**

- ⚠️ Misleading information about minimum deposit
- 💸 High commissions and hidden fees
- ❓ Dynamic commission changes make calculation difficult
- 😞 Support team initially unhelpful
- 🚫 Potential for account blocking

**Reported bugs**

- 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

**Requested features**

- More details from original website, including FAQ section


## Frequently asked questions

### Is T free?

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

### Is e.PN free?

e.PN is free to download, with no in-app purchases.

### Which has better reviews, T or e.PN?

e.PN is rated higher. T averages 4.2 out of 5 from 80 ratings, while e.PN averages 4.6 from 71 ratings.

### Do T or e.PN have ads?

Neither T nor e.PN shows ads.

### Which is updated more often, T or e.PN?

T ships an update every 2 months, and e.PN every 9 days. Most recently, T was updated on September 18, 2026 and e.PN on September 21, 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.*