Comparison

MyFin vs Moneco

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

Head to head
About

MyFin

Manage your finances securely with a digital wallet offering free IBAN, fee-free currency exchange, and convenient payment options. Trade stocks, manage your cards, and pay bills all from your smartphone.

Highlights
  • Free IBAN account
  • Fee-free currency exchange
  • POS payments in multiple countries
  • ATM cash deposits
  • Utility and vignette payments
  • QR code payments
  • Stock and ETF trading
  • Card management and personalization
Features
Read full description

MyFin - Your Digital Wallet! As a licensed company approved by the Bulgarian National Bank, MyFin offers you security comparable to that of a traditional bank, all while saving you time and money. With MyFin, you'll enjoy: - Free IBAN: Obtain your own IBAN directly through your smartphone within minutes, simply by registering on the app. - Currency Exchange Without Fees: Exchange currencies without incurring any additional fees. - POS Payments in Various Countries: MyFin serves as your digital wallet, enabling fast and secure payments in multiple countries. - Cash Deposits via ATM (available exclusively for Fibank ATMs): Easily add cash to your MyFin wallet at Fibank ATMs without any extra charges. - Utility Payments and Vignette Purchases: MyFin provides the convenience of paying utility bills and purchasing vignettes for your car directly from your phone, all without any fees. - Electronic food vouchers! Now you can easily manage and check your voucher balance directly through the app. Available exclusively in Bulgaria. - Payment with QR code: Experience the convenience of making payments more easily than ever before with our new QR code payment feature. Simply scan and pay directly from your smartphone, enhancing your payment experience. - Investments - You can now trade stocks and ETFs! We offer you direct trading on the stock market. Invest quickly and easily and monitor your investments at any time. - Card Management: Take control of your cards by freezing them or setting customized limits for payments, ATM withdrawals, and geographical regions. - Personalized card design: Make your MyFin card uniquely yours with our personalized card design feature. Customize the design of your card effortlessly, reflecting your individual style and preferences. MyFin - Твоя дигитален портфейл! Като лицензирано дружество от БНБ MyFin ти дава сигурност на банкова институция, позволявайки ти да спестяваш време и пари. С MyFin получаваш: - Безплатен IBAN. Отваряш собствена сметка с IBAN, напълно безплатно за няколко минути през своето мобилно устройство. - Обмяна на валута, без такса. - Плащания на POS - терминал в различни държави. MyFin е дигитален портфейл, който ти позволява да правиш плащания бързо и сигрурно в различни държави. - Внасяне на пари в брой през банкомат, без такса. - Комунални услуги, винетка. MyFin ти дава възможност да плащаш своите битови услуги, както и да си закупиш винетка. - Плащане с QR код: Изживейте удобството на правене на плащания по-лесно от всякога с нашата нова функция за плащане с QR код. Просто сканирайте и платете директно от вашия смартфон, подобрявайки вашето преживяване при плащанията. - Инвестиции - Вече може да търгуваш с акции и ETF-и! Предлагаме ти директна търговия на пазара с акции. Инвестирай бързо и лесно и следи инвестициите си по всяко време. - Управление на карти. Контролираш своите карти чрез замразяване, слагаш лимити за плащания, теглене както и по регион. - Персонализиране на картите: Направете вашата карта уникална с нашата функция за персонализиран дизайн. Пригоди дизайна на твоята карта лесно, отразявайки твоя индивидуален стил и предпочитания.

About

Moneco

Open an international bank account in minutes from your phone. Send and receive money securely in EUR and USD with a virtual card. Enjoy higher transfer limits and hassle-free international banking.

Highlights
  • Open international bank account
  • Send and receive EUR and USD
  • Virtual payment card
  • Higher transfer limits
  • Multilingual support
Features
Read full description

Avec Moneco, ouvre un compte bancaire international en quelques minutes. Crée ton compte en 5 minutes et commence à envoyer ou recevoir de l’argent en EUR et USD en toute sécurité. Accès à un compte bancaire international en quelques minutes. Ouvre un compte bancaire international aux États-Unis et dans l’UE depuis ton téléphone, juste avec ton passeport. Aucune frontière pour ton argent En ouvrant un compte avec Moneco, tu accèdes à des services bancaires internationaux sans tracas. POURQUOI CHOISIR MONECO ? - Comptes en EUR et USD - Reçois des paiements internationaux facilement. - Envoie de l’argent à tes clients ou tes proches. - Effectue des paiements internationaux avec une carte virtuelle en dollars. - Plus de liberté financière : des plafonds de réception et de transfert plus élevés. - Support multilingue

Screenshots

MyFin4 screens
Moneco4 screens

Verdict

The call

The clearest difference is review sentiment: Moneco at 58% against MyFin's 31%. Moneco also leads on monetization model (free vs free with in-app purchases) and update cadence (every 5 days vs every 3 weeks). MyFin's advantage is rating (4.6 vs 4.4) and ratings volume (821 vs 104). On price, ads, 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.

ReceptionRating · Positive reviews · Number of ratings

MyFin holds the better App Store score, 4.6 against 4.4. That said, the two scores are not equally well evidenced: MyFin has 821 ratings behind it against 104, so its average is the more settled of the two. Written reviews complicate that: 31% of MyFin's written reviews are positive against 58% of Moneco's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

MyFin ships an update every 3 weeks, Moneco every 5 days. The most recent releases landed on October 26, 2026 and October 27, 2026 respectively.

Scorecard5 real differences · 5 level
MyFin versus Moneco: the parameters behind the verdict, then further details
ParameterMyFinMoneco
PriceFreeFree
Rating4.6 (821 ratings) — better4.4 (104 ratings)
Positive reviews31.1% of reviews58.2% of reviews — better
Number of ratings821 — better104
Update frequencyEvery 3 weeksEvery 5 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.215 — better
Further details — not scored
Size121 MB117 MB
Age rating4+17+
DeveloperFirst Investment Bank ADMoneco France

Customer experience

MyFin

All ratings820 ratings
Positive90.0%
Neutral3.3%
Negative6.7%
Written reviews74 reviews
Positive31.1%
Neutral6.8%
Negative62.2%

Moneco

All ratings104 ratings
Positive87.5%
Neutral3.8%
Negative8.7%
Written reviews55 reviews
Positive58.2%
Neutral5.5%
Negative36.4%

Bugs and requests

MyFin

Reported bugs

4 issues
  • Login problems
  • Inability to complete sign-up
  • Camera access issues
  • Crashing and freezing

Requested features

3 requests
  • Dark mode option
  • Improved international support
  • Enhanced security features

Moneco

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

MyFin

No in-app purchases

None

Moneco

No in-app purchases

Questions

Is MyFin free?
MyFin is free to download, with no in-app purchases.
Is Moneco free?
Moneco is free to download, with no in-app purchases.
Which has better reviews, MyFin or Moneco?
MyFin is rated higher. MyFin averages 4.6 out of 5 from 821 ratings, while Moneco averages 4.4 from 104 ratings.
Do MyFin or Moneco have ads?
Neither MyFin nor Moneco shows ads.
Which is updated more often, MyFin or Moneco?
MyFin ships an update every 3 weeks, and Moneco every 5 days. Most recently, MyFin was updated on October 26, 2026 and Moneco on October 27, 2026.

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