Paytend vs DCS Cards
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.
DCS Cards
Manage your credit cards with this fintech app. Apply for new cards, track payments and spending, set your ATM PIN, and activate cards on the go. Experience swift, secure, and seamless financial management.
- Apply for DCS Cards
- Track payments and spending
- View transaction history
- Set ATM PIN
- Manage and activate cards
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Diners Club Singapore is now known as DCS Card Centre! We’re evolving from a founding financial institution in Singapore to an innovative fintech that drives integrated payment services. Say hello to a new generation of products and solutions that are swift, secure and seamless - aligned with the values of today, without forgetting the history of yesterday. Check out our new look and do more with your App as we deliver these improvements and new features: • Apply for DCS Cards in just a few taps • Easily keep track of your payments and spends via your Transaction History and eStatements • Securely set your ATM PIN • Manage and activate your DCS Cards on the go We’ll continue to improve your experience on the DCS Cards App. Stay tuned for more! Prevailing interest apply if there are any amount remaining unpaid by the statement due date.
Screenshots
Verdict
The clearest difference is review sentiment: Paytend at 54% against DCS Cards's 0%. Paytend also leads on iOS requirement (13.0 vs 15.1). 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, DCS Cards fortnightly. The most recent releases landed on September 29, 2026 and October 4, 2026 respectively.
| Parameter | Paytend | DCS Cards |
|---|---|---|
| Price | Free | Free |
| Rating | — | 3.0 (8 ratings) — better |
| Positive reviews | 53.8% of reviews — better | 0.0% of reviews |
| Number of ratings | — | 8 — better |
| Update frequency | Every 3 weeks | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 124 MB | 81 MB |
| Age rating | 4+ | 4+ |
| Developer | PAYTEND EUROPE UAB | DCS Card Centre Pte Ltd |
Customer experience
Paytend
DCS Cards
In-app purchases
Paytend
No in-app purchases
DCS Cards
No in-app purchases









