aPay vs Moneda
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
aPay
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aPay merupakan aplikasi pembayaran cashless yang memberikan Anda kemudahan dalam transaksi.
Moneda
Manage your money with a finance app that combines traditional banking clarity with stablecoin freedom. Hold multiple currencies, earn higher interest than traditional banks, and make global transfers securely. It offers self-custody for full control over your funds.
- Spending accounts in EUR, USD, CAD
- Virtual accounts for SEPA/ACH transfers
- QR code payments
- High-yield earnings accounts
- Instant currency swaps
- Self-custodial security
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Your money. Truly yours. Moneda is a new kind of finance app that combines the clarity of traditional banking with the freedom of stablecoins. Manage EUR and USD accounts, earn in regulated stablecoins, and move money across currencies, all while staying in full control of your funds. Key Features: - Spending Accounts in EUR, USD and CAD Hold euro (EUR) and US and Canadian dollar (USD & CAD) stablecoins. Manage and monitor your balances in a secure, intuitive interface. - EUR and USD Virtual Accounts Open a virtual account under your name in EUR or USD to top up or make transfers via SEPA or ACH. - QR Payments Pay other users and save them to your contacts by scanning their QR code on Moneda. - Earnings Accounts Grow your balance with daily compounding and higher earnings than traditional banks. (*Returns vary over time and are not guaranteed.*) - Currency Swaps Made Simple Instantly swap between EUR, USD, CAD or MXN within the app. No hidden markups or opaque conversion fees. - Built for Global Users Borderless finance designed for modern professionals, remote workers, and anyone living or earning internationally. - Security and Self-Custody You stay in control. Moneda is self-custodial, meaning you alone hold access to your funds. Our secure, regulated infrastructure ensures transparency, privacy, and peace of mind. Moneda is finance beyond banks. It empowers you to earn, save, and move money globally with full transparency and control. No middlemen, no hidden fees, no complexity. Just your money, working on your terms.
Screenshots
Verdict
The clearest difference is iOS requirement: aPay at 10.3 against Moneda's 16.0. On price, update cadence, 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.
aPay ships an update weekly, Moneda every 10 days. The most recent releases landed on October 9, 2026 and October 14, 2026 respectively.
| Parameter | aPay | Moneda |
|---|---|---|
| Price | Free | Free |
| Rating | — | 1.0 (1 ratings) — better |
| Positive reviews | — | 0.0% of reviews |
| Number of ratings | — | 1 — better |
| Update frequency | Weekly — better | Every 10 days |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 10.3 — better | 16.0 |
| Further details — not scored | ||
| Size | 23 MB | 164 MB |
| Age rating | 4+ | 4+ |
| Developer | AVATAR SOLUTION, CV | Moneda Digital GmbH |
In-app purchases
aPay
No in-app purchases
Moneda
No in-app purchases
