Paytend vs Yi An
Price, ratings, monetisation and update history for both apps, side by side โ 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.
Yi An
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APP INFORMATION Our mission focuses on making your day-to-day banking and financial problems easier. To this end, we are launching YI AN, digital Neobank, where you can make all the financial operations you need from your Mobile APP. Sign up for your Heritage or Nature card with UnionPay brand, and start making the most of your financial freedom: - IBAN account - Insurance included with your card (travel, legal assistance and secure shopping) - Mobile payment via HCE technology - Instant money transfers and payments. Both national and international: Mastercard Send and Visa Direct and soon Money Express (from UnionPay). - Cash in and cash out at local merchants with Viacash. - Loyalty and rewards programmes through cashback with Woowbe. You can manage all your transactions from your mobile phone securely, purchase in physical shops, online, and activate or deactivate your card whenever you need to. It's very simple. Download the app and sign up easily and securely for your UnionPay branded card. All you need is your valid ID card or passport. You can choose between a physical card or a virtual card and start using it immediately. If you have any questions, our customer service will be happy to help you. You can find more information at yianpay.es
Screenshots
Verdict
The clearest difference is iOS requirement: Paytend at 13.0 against Yi An's 16.0. 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
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, Yi An every 5 weeks. The most recent releases landed on October 14, 2026 and October 7, 2026 respectively.
| Parameter | Paytend | Yi An |
|---|---|---|
| Price | Free | Free |
| Positive reviews | 53.8% of reviews | โ |
| Update frequency | Every 3 weeks โ better | Every 5 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | โ |
| Devices | iPhone, iPod โ better | iPhone |
| Requires iOS | 13.0 โ better | 16.0 |
| Further details โ not scored | ||
| Size | 124 MB | 125 MB |
| Age rating | 4+ | 4+ |
| Developer | PAYTEND EUROPE UAB | PECUNIA EDE, S.L. |
In-app purchases
Paytend
No in-app purchases
Yi An
No in-app purchases









