Comparison

Payhawk vs Tap

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

Head to head
About

Payhawk

Manage your company's entire spending lifecycle with digital compliance. Issue cards, set limits, and automate expense reports and receipt management. Integrates with accounting systems for seamless reconciliation.

Highlights
  • Instant card issuance (physical/virtual)
  • Customizable spending limits
  • Automated receipt and invoice capture
  • Smart expense categorization
  • Real-time budget vs. actual reports
  • Accounting system integrations
  • SEPA and Faster Payments transfers
Features
Read full description

What is Payhawk? One place to manage your entire spending lifecycle in a digitally compliant way. Why Payhawk? A click of a button is better than a trip to a bank. Next Generation cards * Issue cards instantly - issue physical or virtual cards to employees with a click. * Set spending limits - decide how much every employee can spend and create limits by vendors, categories and time * Control cash withdrawals and online payments - enable or disable ATM cash withdrawals & online payments. * Design custom approval chain - empower employees to request funds through an approval process * Prevent card sharing - delete all pictures of your shared company card. * Issue team cards for employees spending from a shared budget - the right way to manage subscriptions, marketing budgets, or project-based spending * Business Debit cards - issued by Visa and accepted worldwide. Don’t deal with expense reports and receipts * Real-time notifications - snap photos of receipts and invoices after every card transaction. * Don’t chase invoices - employees are constantly reminded to submit payment proofs. * Automated inbox - digital invoices are automatically matched with card transactions. * Automated categorization - based on your own chart of accounts. * Let us take care of the pre-accounting - we use smart computer vision that reads 60+ languages making every expense ready for reconciliation * Reconcile in real-time - calculate your budget vs. actual reports in real time * Easily pay bills and reimbursements - Initiate SEPA and Faster Payments transfers with one click directly from the platform * Go paperless - invoices, receipts, and bank statements are all digital and kept for 10 years. * No more bank statements - transactions and expenses are matched with a breeze. * Accounting integrations - push reconciled expenses straight to your accounting system. Do you work with an external accounting team? No problem, you can easily invite them to our web portal or export them a monthly Excel report. Learn more and sign-up at https://payhawk.com Follow us on LinkedIn: https://www.linkedin.com/company/payhawk-com/

About

Tap

Manage your money globally with ease. This app offers borderless spending, effortless money tracking, and simple international transfers. Enjoy instant notifications, customizable security, and worldwide card acceptance for a seamless financial experience.

Highlights
  • Borderless spending in multiple currencies
  • Effortless money management and tracking
  • Global money transfers
  • Instant transaction notifications
  • Customizable security features
  • Worldwide card acceptance
  • Competitive exchange rates
  • 24/7 customer support
Features
Read full description

Welcome to Tap, where managing your finances becomes an experience filled with ease and innovation. Whether you're a frequent traveler, an expat, or someone who loves exploring the world, Tap is your ultimate financial companion. Join our growing community of users who enjoy seamless financial management without the hassle. All-in-One Financial Control Borderless Spending: Enjoy the freedom of spending in multiple currencies without the worry of high fees. Our multi-currency support means you can shop, dine, and spend like a local in a host of different countries. Effortless Money Management: Track your spending with our user-friendly interface. Get a clear view of your finances and stay on top of your budget with ease. Global Transfers Made Simple: Send money across the in Europe & the UK with just a few taps. Our streamlined process ensures your money reaches its destination quickly and securely.
 Convenience at Your Fingertips Instant Notifications: Stay informed with real-time alerts for all transactions. Keep track of your spending and transfers effortlessly. Customizable Security: Your security is our priority. Freeze and unfreeze your card instantly, set spending limits, and enable additional safety features to keep your account secure.
 Travel with Confidence Worldwide Acceptance: Our card is accepted in over 170 countries, making it the perfect travel companion. Withdraw cash or pay directly in local currencies without the stress of carrying multiple cards. Competitive Exchange Rates: Get access to exchange rates that are consistently competitive, ensuring you get more for your money when you travel or send funds abroad.
 Customer Support, Always There for You! 24/7 Customer Service: Our dedicated team is available around the clock to assist you with any queries or concerns. Experience hassle-free support whenever you need it. Join Tap Today
Discover the convenience of Tap and transform the way you manage your finances. Embrace a world where financial freedom and control go hand in hand. Download Tap now and step into a world where your finances are as global as you are.

Screenshots

Payhawk4 screens
Tap4 screens

Verdict

The call

The clearest difference is ratings volume: Payhawk at 254 against Tap's 25. Payhawk also leads on update cadence (every 3 days vs weekly) and review sentiment (60% vs 49%). On price, rating, 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.5 for Payhawk against 4.5 for Tap. That said, the two scores are not equally well evidenced: Payhawk has 254 ratings behind it against 25, so its average is the more settled of the two. Written reviews are what separate them: 60% of Payhawk's written reviews are positive against 49% of Tap's.

UpkeepUpdate frequency

Payhawk ships an update every 3 days, Tap weekly. The most recent releases landed on November 10, 2026 and November 3, 2026 respectively.

Scorecard3 real differences · 7 level
Payhawk versus Tap: the parameters behind the verdict, then further details
ParameterPayhawkTap
PriceFreeFree
Rating4.5 (254 ratings) — better4.5 (25 ratings)
Positive reviews59.6% of reviews — better48.8% of reviews
Number of ratings254 — better25
Update frequencyEvery 3 days — betterWeekly
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhoneiPhone, iPod — better
Requires iOS16.415.6 — better
Further details — not scored
Size152 MB250 MB
Age rating4+17+
DeveloperPayhawk OODTap Global Limited

Customer experience

Payhawk

All ratings254 ratings
Positive86.2%
Neutral3.5%
Negative10.2%
Written reviews57 reviews
Positive59.6%
Neutral8.8%
Negative31.6%

Tap

All ratings25 ratings
Positive88.0%
Neutral0.0%
Negative12.0%
Written reviews80 reviews
Positive48.8%
Neutral2.5%
Negative48.8%

Bugs and requests

Payhawk

Not enough reviews yet to summarise bugs or requests.

Tap

Reported bugs

39 issues
  • App told user approved then rejected
  • Account closed after 4 years
  • £50k investment now worth £77
  • Lost phone number, no access
  • Deposit not shown in app
Show 34 more
  • £4900 stuck with error message
  • Fees on every transaction
  • Fee to top up, transfer, withdraw
  • 10 weeks without account access
  • Address change not reflected in app
  • Error not allowing use of funds
  • Funds never arrived after withdrawal
  • Money stuck, e-banking not enabled
  • Unable to purchase XTP
  • £4900 stuck with error message
  • Can't access funds, reset button issue
  • Deceived by third party, no support
  • ID verification not accepted 10 times
  • Cannot top up using card from app
  • Unable to transfer money from bank
  • App not working on iPhone, no support
  • Too much KYC, proof of address impossible
  • KYC verification glitches
  • Error when putting number in
  • Cannot sign in, screen locks
  • App broken for days, crypto values frozen
  • App stuck in update loop
  • Money disappearing daily
  • Sending Bitcoin error, sent whole wallet
  • Money blocked, e-banking not enabled
  • Cannot log in
  • Face ID does not work
  • Locked out of account, password reset errors
  • Company dissolved / non trading allegations
  • Requesting duplicate identification
  • Exit scam allegations
  • Locked out with no one to talk to
  • No telephone number to call
  • Stringent and peculiar identification requirements

Requested features

5 requests
  • XTP coin availability in USA
  • Chart for each token
  • Auto buying feature
  • Favourites section
  • Dark mode option

In-app purchases

None

Payhawk

No in-app purchases

None

Tap

No in-app purchases

Questions

Is Payhawk free?
Payhawk is free to download, with no in-app purchases.
Is Tap free?
Tap is free to download, with no in-app purchases.
Which has better reviews, Payhawk or Tap?
Payhawk is rated higher. Payhawk averages 4.5 out of 5 from 254 ratings, while Tap averages 4.5 from 25 ratings.
Do Payhawk or Tap have ads?
Neither Payhawk nor Tap shows ads.
Which is updated more often, Payhawk or Tap?
Payhawk ships an update every 3 days, and Tap weekly. Most recently, Payhawk was updated on November 10, 2026 and Tap on November 3, 2026.

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