PayEm vs IBI SMART
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PayEm
Manage company expenses on the go. Request funds, pay with shared cards, and easily upload receipts directly from your mobile device. This platform provides convenient access to financial tools for employees.
- Request funds
- Pay with shared cards
- Upload receipts
- Access company finances
- Mobile expense management
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The PayEm employee mobile app lets you request funds, pay on any shared card, and upload receipts. It’s the PayEm platform in the palm of your hands.
IBI SMART
Manage all your financial needs, from stocks and options to equity plans, in one place. Invest in U.S. stocks and ETFs with ease, or practice with a demo account. Access analyst recommendations and AI-powered financial report analysis.
- Manage stocks, options, and equity plans
- U.S. stocks and ETFs trading
- Demo account with virtual money
- TipRanks analyst recommendations
- AI analysis of financial reports
- Create and track stock watch lists
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From stocks to options & equity plans, IBI SMART keeps everything in one place, allowing you to manage all your financial needs. Looking for a smart & simple way to invest? Got 15,000 NIS or more? Invest wisely with IBI SMART app - offering easy, hassle-free U.S. stocks and ETFs trading. Want to invest but not sure how to start? With our exclusive Demo Account, you can start trading using virtual money. You’ll receive $100,000 in virtual dollars to trade using actual financial information as if you were using a real account. If your equity plans are managed by IBI CAPITAL, our app lets you oversee it all: exercise or sell options, access relevant information, review order history, register for the ESPP plan (if available), track grants, manage ESOP, RSUs, and more—all in one place. Download today and start benefiting! Here are some of the features that are available while investing: TipRanks - Analyst Recommendations Access global analyst rankings and opinions on covered stocks through TipRanks. Bridgewise - AI Analysis of Financial Reports An innovative AI service for analyzing financial reports of leading companies and ETFs, using an advanced AI system. Create and Track Your Own Stocks Watch List The app allows you to build a personalized stocks watch list and monitor it regularly. Download IBI SMART and discover what Smart Trading is All About!
Screenshots
Verdict
The clearest difference is ads: PayEm at none against IBI SMART's shown. PayEm also leads on monetization model (free vs ad-supported) and iOS requirement (11.0 vs 16.6). IBI SMART's advantage is rating (4.3 vs 3.9) and review sentiment (14% vs 0%). On price, update cadence, 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.
IBI SMART holds the better App Store score, 4.3 against 3.9. Both are backed by a comparable volume of ratings — 8 and 25 respectively. Written reviews point the same way: 0% of PayEm's written reviews are positive against 14% of IBI SMART's.
PayEm ships an update monthly, IBI SMART every 2 weeks. The most recent releases landed on October 8, 2026 and October 10, 2026 respectively.
| Parameter | PayEm | IBI SMART |
|---|---|---|
| Price | Free | Free |
| Rating | 3.9 (8 ratings) | 4.3 (25 ratings) — better |
| Positive reviews | 0.0% of reviews | 14.3% of reviews — better |
| Number of ratings | 8 | 25 — better |
| Update frequency | Monthly | Every 2 weeks — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 11.0 — better | 16.6 |
| Further details — not scored | ||
| Size | 46 MB | 163 MB |
| Age rating | 4+ | 4+ |
| Developer | PayEm Card Ltd | IBI BROKERAGE TECHNOLOGIES LTD |
Customer experience
PayEm
IBI SMART
In-app purchases
PayEm
No in-app purchases
IBI SMART
No in-app purchases
