Comparison

Paytend vs Moneff

Price, ratings, monetisation and update history for both apps, side by side โ€” with what reviewers say about each.

Head to head
About

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.

Highlights
  • SEPA account opening
  • Global money transfers
  • Currency exchange
  • Virtual and physical card issuance
  • Business payment solutions
  • Cross-border e-commerce settlement
Features
Read full description

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.

About

Moneff

Features
Read full description

One-stop payment hub! Account types: โ€ข Personal account โ€ข Business account Products & Services: โ€ข Online account opening โ€ข Multi-currency account (GBP & EUR) โ€ข Transfer money to over 50 countries โ€ข Virtual & physical debit cards โ€ข Live chat support

Screenshots

Paytend3 screens
Moneff4 screens

Verdict

The call

The clearest difference is iOS requirement: Paytend at 13.0 against Moneff's 15.0. On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price ยท Rating ยท Positive reviews ยท Number of ratings ยท Update frequency ยท Ads ยท In-app purchases ยท Monetization ยท Best chart rank ยท Devices ยท Requires iOS

CostPrice ยท In-app purchases ยท Ads ยท Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Paytend ships an update every 3 weeks, Moneff every 4 weeks. The most recent releases landed on October 14, 2026 and October 12, 2026 respectively.

Scorecard1 real difference ยท 7 level
Paytend versus Moneff: the parameters behind the verdict, then further details
ParameterPaytendMoneff
PriceFreeFree
Positive reviews53.8% of reviewsโ€”
Update frequencyEvery 3 weeks โ€” betterEvery 4 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeโ€”
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.0 โ€” better15.0
Further details โ€” not scored
Size124 MB65 MB
Age rating4+4+
DeveloperPAYTEND EUROPE UABSafenetpay Services Company Limited

In-app purchases

None

Paytend

No in-app purchases

None

Moneff

No in-app purchases

Questions

Is Paytend free?
Paytend is free to download, with no in-app purchases.
Is Moneff free?
Moneff is free to download, with no in-app purchases.
Do Paytend or Moneff have ads?
Neither Paytend nor Moneff shows ads.
Which is updated more often, Paytend or Moneff?
Paytend ships an update every 3 weeks, and Moneff every 4 weeks. Most recently, Paytend was updated on October 14, 2026 and Moneff on October 12, 2026.

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