Comparison

MyFin vs pay.bt

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

pay.bt

Features
Read full description

pay.bt is the official companion app for Bhutan's international payment aggregator. Designed for businesses, freelancers, and entrepreneurs, our app gives you the power to manage your global revenue right from your pocket.

Screenshots

MyFin4 screens
pay.bt4 screens

Verdict

The call

The clearest difference is update cadence: pay.bt at weekly against MyFin's every 3 weeks. 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.

UpkeepUpdate frequency

MyFin ships an update every 3 weeks, pay.bt weekly. The most recent releases landed on October 18, 2026 and October 13, 2026 respectively.

Scorecard1 real difference · 9 level
MyFin versus pay.bt: the parameters behind the verdict, then further details
ParameterMyFinpay.bt
PriceFreeFree
Rating4.6 (820 ratings) — better—
Positive reviews31.1% of reviews—
Number of ratings820 — better—
Update frequencyEvery 3 weeksWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchases—
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.215.0 — better
Further details — not scored
Size121 MB29 MB
Age rating4+4+
DeveloperFirst Investment Bank ADaBIt pvt ltd

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

pay.bt

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

MyFin

No in-app purchases

None

pay.bt

No in-app purchases

Questions

Is MyFin free?
MyFin is free to download, with no in-app purchases.
Is pay.bt free?
pay.bt is free to download, with no in-app purchases.
Do MyFin or pay.bt have ads?
Neither MyFin nor pay.bt shows ads.
Which is updated more often, MyFin or pay.bt?
MyFin ships an update every 3 weeks, and pay.bt weekly. Most recently, MyFin was updated on October 18, 2026 and pay.bt on October 13, 2026.

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