Paytend vs Moneybase
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
Read full descriptionHide 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.
Moneybase
Manage your finances with a comprehensive platform offering banking, investments, and card controls. Send and receive money instantly, control physical and virtual cards, and access competitive exchange rates for international spending. Get real-time financial updates and support 7 days a week.
- Transactional banking with IBAN
- Physical and virtual card management
- Instant SEPA and bank transfers
- Access to 20,000+ investments
- Competitive foreign exchange rates
- Real-time transaction notifications
- 7-day customer support
Read full descriptionHide full description
Welcome to Moneybase, we’re focused on making finance easier and we are on a mission to redefine the way you grow and manage your money. Moneybase is a powerful platform for all things finance, offering transactional banking, physical and virtual cards, instant payments as well as access to over 20,000 investments all under the same ecosystem. Bank Payments in the blink of an eye - Send or receive money easily with SEPA Bank transfers and Instant payments. Get your own IBAN today. Full in-app control of your physical or virtual cards - Thanks to our safety features and controls, you can freeze, unfreeze or cancel your card whenever you wish. You can even set up customized permissions and restrictions such as ATM withdrawals, Online Payments or Swipe payments or view your PIN directly from the Moneybase app! Generate your virtual card instantly or order a physical contactless card. Save when travelling or spending abroad - We offer competitive exchange rates that allow you to save money when spending abroad, so that you can spend at will and make the most of your trip. We’re there for you 7 days a week, call us anytime - Our customer service team are ISO Certified, the Gold standard for customer care. Our team is ready to assist you right away via phone or live chat. Your money at your fingertips - Get real-time notifications when you make a card transaction, when you receive money and much more. With Moneybase you can instantly keep updated on your finances, with full view of past transactions, you can take control of your spending. Create your account in minutes - With fast signup right from your phone you can get started in just a few minutes. High value service with Ultra Low fees - Life is full of unexpected surprises, but fees shouldn’t be one of them. With Moneybase what you see is what you get – no hidden fees, our ultra-competitive pricing is easy to understand. Community-driven - With an exciting pipeline ahead, we invite you to join us in shaping the next-generation financial platform. Our public roadmap, community and Facebook group all allow you to log in and have your say about what we develop next. Together lets make money simple!
Screenshots
Verdict
The clearest difference is iOS requirement: Paytend at 13.0 against Moneybase's 17.0. On price, review sentiment, update cadence and ads 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.
Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on October 14, 2026 and October 7, 2026 respectively.
| Parameter | Paytend | Moneybase |
|---|---|---|
| Price | Free | Free |
| Rating | — | 3.0 (8 ratings) — better |
| Positive reviews | 53.8% of reviews — better | 50.0% of reviews |
| Number of ratings | — | 8 — better |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, Apple Watch |
| Requires iOS | 13.0 — better | 17.0 |
| Further details — not scored | ||
| Size | 124 MB | 177 MB |
| Age rating | 4+ | 4+ |
| Developer | PAYTEND EUROPE UAB | Moneybase Ltd |
Customer experience
Paytend
Moneybase
In-app purchases
Paytend
No in-app purchases
Moneybase
No in-app purchases







