Paytend vs Zitocard
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Paytend
Manage personal and business finances with a comprehensive fintech solution. Open a SEPA account, transfer money globally, exchange currencies, and get virtual or physical bank cards. Offers business solutions for cross-border e-commerce.
- SEPA account opening
- Global money transfers
- Currency exchange
- Virtual and physical card issuance
- Business payment solutions
- Cross-border e-commerce settlement
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Manage your money and business, everything is in hand. Payend is an innovative fintech institution that offers banking accounts, card issuance, and acquiring services. As a company holding an EU EMI license (EMI LB000480), Paytend strictly adheres to the General Data Protection Regulation (GDPR) and the Payment Services Directive 2 (PSD2) of the European Union to ensure the privacy and security of user data. Get your SEPA account Apply online for your own SEPA account by using the Paytend App, your name, your own IBAN Transfer your Money globally The fastest single euro payment area payment within 1 minute by SEPA Instant SWIFT receipt and payment support your cross-border wire transfer in 37 currencies from 57 countries Global Money Transfer to China UnionPay Card without limit Exchange currencies at the real-time rate Mutual exchange of 37 currencies, real-time exchange rates, no exchange difference, and free of commission fee Get your Bank Card with clicks Visa Card, Master Card, online real-time card issuance, support global consumption and ATM withdrawal, make payments online and in-store. Business executive solution Cross-border e-commerce settlement, fast, efficient, and ultra-low commission fee. Paytend business account boasts a powerful system for gathering and transferring funds worldwide, capable of handling batch payments.
Zitocard
This app offers a secure and convenient way to manage prepaid cards, bank accounts, and mobile wallets. It allows users to easily credit their accounts and provides a prepaid Visa/Mastercard for online and in-person purchases, offering the benefits of traditional cards without monthly fees.
- Credit prepaid cards, bank accounts, and mobile wallets
- Create a Zitocard account
- Obtain physical/virtual prepaid Visa/Mastercard
- Use cards for online and in-person purchases
- No monthly fees on prepaid cards
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Zitocard is a secure mobile solution that makes crediting your Prepaid Cards, Bank Accounts, and Mobile Wallets easier. In a few clicks, Create a Zitocard account and enjoy flexibility and security from the comfort of your home with Mobile Money, Cards and more. Get a prepaid VisaMastercard (physical/virtual) payment card for online purchases and payments! Our prepaid cards can be used in all locations where traditional Visa and Mastercards are accepted. Enjoy all the benefits of Visa and Mastercards without any of the burdens of monthly fees
Screenshots
Verdict
The clearest difference is review sentiment: Paytend at 54% against Zitocard's 38%. 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.
Paytend ships an update every 3 weeks, Zitocard monthly. The most recent releases landed on October 25, 2026 and October 24, 2026 respectively.
| Parameter | Paytend | Zitocard |
|---|---|---|
| Price | Free | Free |
| Rating | — | 3.2 (18 ratings) — better |
| Positive reviews | 53.8% of reviews — better | 38.5% of reviews |
| Number of ratings | — | 18 — better |
| Update frequency | Every 3 weeks — better | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 | 12.0 — better |
| Further details — not scored | ||
| Size | 124 MB | 26 MB |
| Age rating | 4+ | 4+ |
| Developer | PAYTEND EUROPE UAB | Zito Financial |
Customer experience
Paytend
Zitocard
In-app purchases
Paytend
No in-app purchases
Zitocard
No in-app purchases








