Comparison

Paytend vs Muthuq Wallet

Price, ratings, monetisation and update history for both apps, side by side — 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

Muthuq Wallet

Manage your money with confidence using this powerful yet simple financial app. Track your balance in real-time, make secure payments, and handle personal or business expenses with ease. It's designed for daily use and cross-border convenience.

Highlights
  • Secure financial transactions
  • Real-time balance updates
  • Payment tracking
  • Personal and business expense management
  • Cross-border convenience
  • Easy-to-use interface
Features
Read full description

Muthuq is your trusted companion for managing money with confidence. Designed for both simplicity and power, Muthuq helps you stay in control of your finances wherever life takes you. Top up your account, make secure payments, and track your balance in real-time. Whether you're managing personal expenses or monitoring business spending, Muthuq gives you the flexibility and reliability you need to move smarter and faster. Why Muthuq? - Trusted and secure financial transactions - Real-time balance updates and payment tracking - Built for daily use and cross-border convenience - Designed for individuals and business users alike - Fast, clean, and easy-to-use interface - Ideal for managing allowances, payments, and transfers Muthuq is more than a financial app — it’s a smarter way to manage your money, every day. Download Muthuq now and experience effortless financial control.

Screenshots

Paytend3 screens
Muthuq Wallet3 screens

Verdict

The call

The clearest difference is review sentiment: Muthuq Wallet at 100% against Paytend's 54%. Paytend's advantage is ads (none vs shown) and update cadence (every 3 weeks vs every 2 months). On price, in-app purchases and device support 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

CostPrice · In-app purchases · Ads · 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, Muthuq Wallet every 2 months. The most recent releases landed on November 3, 2026 and October 30, 2026 respectively.

Scorecard5 real differences · 5 level
Paytend versus Muthuq Wallet: the parameters behind the verdict, then further details
ParameterPaytendMuthuq Wallet
PriceFreeFree
Rating—3.4 (5 ratings) — better
Positive reviews53.8% of reviews100.0% of reviews — better
Number of ratings—5 — better
Update frequencyEvery 3 weeks — betterEvery 2 months
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.0 — better15.5
Further details — not scored
Size124 MB104 MB
Age rating4+17+
DeveloperPAYTEND EUROPE UABALMAUTHUQ E-COMMERCE CO.LTD

Customer experience

Paytend

Written reviews13 reviews
Positive53.8%
Neutral0.0%
Negative46.2%

Muthuq Wallet

All ratings1 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews3 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Paytend

No in-app purchases

None

Muthuq Wallet

No in-app purchases

Questions

Is Paytend free?
Paytend is free to download, with no in-app purchases.
Is Muthuq Wallet free?
Muthuq Wallet is free to download, with no in-app purchases.
Do Paytend or Muthuq Wallet have ads?
Muthuq Wallet shows ads; Paytend does not.
Which is updated more often, Paytend or Muthuq Wallet?
Paytend ships an update every 3 weeks, and Muthuq Wallet every 2 months. Most recently, Paytend was updated on November 3, 2026 and Muthuq Wallet on October 30, 2026.

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