Spar Key vs Sabaek Pay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Spar Key
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Sparkasse Bank Malta plc has released an Authentication Application that has removed the need for a physical token to be used when accessing and transacting on your account(s) using the Bank’s Online Banking System. Spar Key enables a more secure and efficient environment for Sparkasse Bank Malta plc’s clients throughout the following processes: • Logging-in into the Bank’s Online Banking System; • Authorising the release of Payment Instructions; and • Authorising the release of Securities related orders. Spar Key has been developed in compliance with the requirements on Strong Customer Authentication stemming from ‘the EU’s Payment Services Directive II (PSD II)’.
Sabaek Pay
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Simplify your trading experience with the Sabaek pay App that links your prepaid cards to your trading account to enable you to conveniently: • Fund your trading account • Transfer funds between fellow cardholders • Top-up your card balance • Withdraw your funds at ATMs • Pay online • Make international payments • View your balance at a glance
Screenshots
Verdict
The clearest difference is ads: Spar Key at none against Sabaek Pay's shown. Spar Key also leads on iOS requirement (12.4 vs 15.6). Sabaek Pay's advantage is update cadence (every 4 months vs every 19 months). On price, in-app purchases and device support 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.
Spar Key ships an update every 19 months, Sabaek Pay every 4 months. The most recent releases landed on October 17, 2026 and October 15, 2026 respectively.
| Parameter | Spar Key | Sabaek Pay |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 19 months | Every 4 months — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 12.4 — better | 15.6 |
| Further details — not scored | ||
| Size | 44 MB | 153 MB |
| Age rating | 4+ | 4+ |
| Developer | Sparkasse Bank Malta plc | Sabaek for Financial Services |
In-app purchases
Spar Key
No in-app purchases
Sabaek Pay
No in-app purchases
