Polydirection vs Lodin
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Polydirection
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International financial operations re-imagined Private use Get access to easy and fast global transfers to and from your friends and family, with low fees. Accept your salary, pension and any regular payments on the same provided unique IBAN account number. Get instant access to your funds anytime, anywhere with the Polydirection pre-paid Mastercard. The list of your financial possibilities is expanding! Business use Multiple IBAN accounts registered in different European countries will allow you settling SWIFT and SEPA transfers in corresponding currencies with no exchange fees. Use the Polydirection’s market standard salary project with Mastercard and get pre-paid cards for your everyday business expenses. Take advantage of our business fintech offer comprising e-invoicing, merchant tools, competitive currency exchange, and more. The application is your only contact point with the world of modern everyday financial operations. Everything from signup to setting up the automated payout schedule is in your pocket. The support team is operating 24/7 to help you with any problems on your way. We offer: A unique IBAN for your banking account; Support of all major currencies; Competitive currency exchange commission; Instant international money transfer; Comfort of having a pre-paid card; Mass payouts functionality. Have full control over your finances right at your fingertips. Polydirection provides you with: Full access to your funds; Instant transaction history; Sleek and clear design; Worldwide money transfers; Safe sign-up protected by biometric authentication; Convenient recharge of your card. Join Polydirection to experience the latest financial technology yourself. Learn more at https://polydirection.com/
Lodin
This personal finance assistant helps you manage all your bank accounts in one place, track spending, and forecast patterns. It offers personalized advice, budget creation, and instant money transfers. Receive AI-generated insights to understand your financial habits.
- Account aggregation
- Automatic transaction categorization
- Real-time spending tracking
- Personalized budgeting
- AI-generated financial insights
- Instant money transfers
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Much more than a payment application, Lodin is your personal financial assistant that supports you on a day-to-day basis by offering you personalized advice based on your objectives, while at the same time forecasting your spending patterns. Authorized and regulated by the Banque de France and the ACPR (under number 17758) Lodin is a member of the French Association of Payment Institutions (AFEPAME.) Robust security and confidentiality measures: - Lodin complies with the most stringent security standards, including ISO 27001, PCI-DSS and SOC 2. - Hosted on Amazon Web Services (AWS), a reliable and efficient cloud platform for high-level computing. - Data encryption to ensure the protection of sensitive data and applications hosted on its platform. - Uses advanced authentication methods, such as facial recognition, fingerprint, and access code. Lodin offers a range of fluid, easy-to-use features that enable you to: - View, manage, and control all your bank accounts in a single application. (Thanks to Lodin's account aggregation, you have access to a detailed dashboard of all your expenses from different bank accounts.) - Automatically categorize your transactions (food, shopping, health, transportation, housing, etc.). - Track your spending in real-time. No need to manually record your expenses, each transaction automatically appears on Lodin for simple and effective analysis. - Create personalized budgets by category, set a spending limit, and receive an alert when you exceed the limit you set yourself. - Access detailed analyses based on your spending habits and savings targets. - Get an overview of your income and expenditure, as well as the evolution of your balance. - Understand your insights thanks to stories generated by artificial intelligence based on your data. - Send and receive money instantly and securely using QR codes or payment links that can be shared easily on your favorite social networks. Compatible with over 3,000 European financial institutions throughout Europe: Allianz bank Arkéa Axa bank Banque BCP Banque BTP Banque Chalus Banque de Savoie Banque Populaire BNP Paribas Bas Banque Postale Credit Agricole CIC Fortuneo Hello Bank Societe Generale …. Transform the way you manage your finances with the open banking app, Lodin.
Screenshots
Verdict
The clearest difference is update cadence: Lodin at every 5 days against Polydirection's every 19 months. On price, in-app purchases, device support and iOS requirement 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.
Polydirection ships an update every 19 months, Lodin every 5 days. The most recent releases landed on October 19, 2026 and October 7, 2026 respectively.
| Parameter | Polydirection | Lodin |
|---|---|---|
| Price | Free | Free |
| Rating | — | 5.0 (1 ratings) — better |
| Positive reviews | — | 100.0% of reviews |
| Number of ratings | — | 1 — better |
| Update frequency | Every 19 months | Every 5 days — better |
| Ads | — | No |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 11.0 | 11.0 |
| Further details — not scored | ||
| Size | 63 MB | 29 MB |
| Age rating | 4+ | 4+ |
| Developer | Ruokvord Trading LP | Effyis Group |
In-app purchases
Polydirection
No in-app purchases
Lodin
No in-app purchases









