Comparison

DToken vs Spendlink

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

Head to head
About

DToken

This app serves as a software token for secure authentication and transaction confirmation within an online banking platform. It enables users to log in, approve transfers, and manage various banking services remotely, ensuring a safe and convenient digital banking experience.

Highlights
  • Secure login to online banking
  • Transaction confirmation
  • Request approvals for banking services
  • Account management
  • Bank card limit management
  • Utility and merchant payments
Features
Read full description

Д Токен е мобилно приложение (софтуерен токен) за автентикация и потвърждаване на трансакции и заявки в платформата за интернет банкиране Д Банк Онлайн, което осигурява удобство, надеждност, мобилност и безкомпромисна сигурност при работата с електронното банкиране. След като изтеглите приложението е необходимо да регистрирате и активирате своя Д Токен по един от следните начини: - от електронното банкиране Д Банк Онлайн – меню Настройки – Д Токен; - от удобен за Вас финансов център на Д Банк. Основни функции на приложението: - осъществяване на вход в Д Банк Онлайн; - потвърждаване на преводи в Д Банк Онлайн; - потвърждаване на заявки за различни услуги в Д Банк Онлайн – откриване, добавяне и премахване на сметки, издаване, преиздаване и промяна на лимити на банкови карти, иницииране плащания на комунални услуги и задължения към търговци, изпращане на свободни съобщения до банката и др. Повече за Д Токен, Д Банк Онлайн и останалите продукти и услуги на Д Банк можете да прочетете на www.dbank.bg или като се свържете с нас на online@dbank.bg или 0700 40 400. D Token is a mobile application (software token) for authentication and confirmation of transactions and requests in the D Bank Online platform, which provides convenience, reliability, mobility and uncompromising security when working with the electronic banking. After downloading the application you need to register and activate your D Token in one of the following ways: - by the e-banking service D Bank Online - Settings menu - D Token; - in a convenient financial center of D Bank. Minimal requirements: - The D Token mobile application runs under the minimum iOS 12 operating system; - Camera; * The D Token mobile app is completely free and can be used without internet connectivity. Main features of the application: - authentication upon entry into D Bank Online; - confirmation of transfers in D Bank Online; - confirmation of requests for various services at D Bank Online - opening, adding and removing accounts, issuing, reissuing and changing bank card limits, initiating payments of utilities and obligations to merchants, sending free messages to the bank, etc. You can read more about D Token, D Bank Online and other products and services of D Bank at www.dbank.bg or by contacting us at online@dbank.bg or 0700 40 400.

About

Spendlink

Features
Read full description

Never Miss a Payment Again with Spendlink – The Ultimate Bill Tracker & Reminder App! Spendlink is your all-in-one solution for managing recurring bills and expenses. Our powerful notification system ensures you’ll never miss a due date, helping you avoid late fees and keep your finances in check. With multiple reminders for each bill, categorized bill tracking, and transaction management, Spendlink makes bill organization a breeze. Key Features: - Bill Tracking & Recurring Payments: Keep track of all your bills in one place, whether they’re one-time or recurring. - Advanced Notifications & Reminders: Set up multiple reminders for each bill occurrence to ensure you stay ahead of your payments. With Spendlink, you’ll always know when bills are upcoming, overdue, or paid. - Categorize Your Bills: Easily organize bills by category, so you can quickly see where your money is going. - Track Spending by Transactions: Get insights into your spending patterns by tracking transactions across multiple accounts. - Multi-Account Support: Manage and monitor bills and transactions from multiple accounts. - Overdue, Upcoming, and Paid Views: Instantly see which bills are overdue, upcoming, or already taken care of. - Import & Export Data: Export your transaction data or import it to keep everything up-to-date. Designed to help you stay organized, Spendlink’s smart notifications ensure you’ll never miss a payment, giving you peace of mind and control over your finances. Download Spendlink today and never worry about missing a bill again! Terms of Service: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://spend-link.com/privacy

Screenshots

DToken4 screens
Spendlink4 screens

Verdict

The call

The clearest difference is in-app purchases: DToken at none against Spendlink's 3. DToken also leads on iOS requirement (13.0 vs 17.5). Spendlink's advantage is update cadence (every 2 weeks vs every 3 months). On price, ads 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. Spendlink sells 3 in-app purchases, starting at $3.99 per 7 days. DToken asks for nothing beyond the download.

UpkeepUpdate frequency

DToken ships an update every 3 months, Spendlink every 2 weeks. The most recent releases landed on October 11, 2026 and October 3, 2026 respectively.

Scorecard3 real differences · 5 level
DToken versus Spendlink: the parameters behind the verdict, then further details
ParameterDTokenSpendlink
PriceFreeFree
Positive reviews0.0% of reviews—
Update frequencyEvery 3 monthsEvery 2 weeks — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPod — betteriPhone
Requires iOS13.0 — better17.5
Further details — not scored
Size14 MB5 MB
Age rating4+4+
DeveloperD Commerce BankZephyr Industries Inc.

In-app purchases

None

DToken

No in-app purchases

3 purchases

Spendlink

Subscriptions3
  • Pro Weekly3 Days trial$3.997 Days
  • Pro Monthly$6.991 Month
  • Pro Yearly$39.991 Year

Questions

Is DToken free?
DToken is free to download, with no in-app purchases.
Is Spendlink free?
Spendlink is free to download, with in-app purchases available.
Do DToken or Spendlink have ads?
Neither DToken nor Spendlink shows ads.
Which is updated more often, DToken or Spendlink?
DToken ships an update every 3 months, and Spendlink every 2 weeks. Most recently, DToken was updated on October 11, 2026 and Spendlink on October 3, 2026.

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