VFX Financial vs DECTA Merchant
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
VFX Financial
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View and manage your business finances from anywhere. The VFX Financial app gives complex organisations direct access to their accounts, payments, and foreign exchange, all in one place. Approve payments on the go Review, create and authorise payments quickly and securely, without needing to be on your desktop device. Book FX trades Access VFX's foreign exchange capabilities and book trades directly from your mobile. Multi-currency accounts & banking View balances, monitor transactions, and manage your money across currencies. Robust security Secure login with biometric authentication, Face ID and Touch ID supported. VFX Financial is authorised and regulated by the UK Financial Conduct Authority (FRNs 592260 and 900530). VFX Financial DIFC Limited is regulated by the Dubai Financial Services Authority (F010820). VFX Financial Canada Inc. is registered with FINTRAC (M15149166) and as a Money Services Business in Québec (No. 21165). Learn more at vfxfinancial.com.
DECTA Merchant
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DECTA's Digital Banking App is the key to unlocking modern B2B banking solutions. We provide businesses with a comprehensive digital banking platform, accessible on smartphones and tablets. Gain complete control over your business finances, anytime, anywhere. Seamlessly Integrated Mobile Banking: Our secure mobile banking seamlessly integrates with your online banking. Activate mobile banking easily through Internet banking, ensuring a smooth transition between platforms. All Your Business Finances in One Place: DECTA's mobile app offers a wide array of tailored financial services and products designed for businesses. Keep a close eye on business accounts, loans, securities, and more in one user-friendly interface. Effortless Business Transfers: Streamline domestic and international transfers for your business. Make fund transfers, set up recurring payments, and manage your business finances efficiently. Transaction Tracking Made Easy: Track business transactions with ease. Search and filter by date, amount, and account details. Stay in control of your business's financial operations. Customized Business Administration: Tailor your business banking experience with features like PIN activation, and transaction locks. Secure Your Business Cards: Enhance security by locking and unlocking your business debit or credit cards directly from the app. Personalized Settings: Tailor mobile banking preferences and receive business news updates aligned with your business goals. ...and more. DECTA's Digital Banking App is designed exclusively for businesses, offering modern, efficient, and personalized banking services on any major mobile device.
Screenshots
Verdict
The clearest difference is iOS requirement: DECTA Merchant at 14.0 against VFX Financial'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.
VFX Financial ships an update every 4 weeks, DECTA Merchant every 3 weeks. The most recent releases landed on August 6, 2026 and August 4, 2026 respectively.
| Parameter | VFX Financial | DECTA Merchant |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 4 weeks | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 16.0 | 14.0 — better |
| Further details — not scored | ||
| Size | 71 MB | 98 MB |
| Age rating | 4+ | 17+ |
| Developer | VFX PLC | Decta Limited |
In-app purchases
VFX Financial
No in-app purchases
DECTA Merchant
No in-app purchases








