Comparison

Memo Bank Authenticator vs Olkypay

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

Head to head
About

Memo Bank Authenticator

This app securely verifies your identity and approves sensitive financial transactions for your account. It's required for accessing your online banking and authorizing actions like logins, password changes, and transfers.

Highlights
  • Account verification
  • Transaction authorization
  • Login approval
  • Password change approval
  • Wire transfer approval
  • Beneficiary addition approval
  • Touch ID/Face ID security
Features
Read full description

Pairing a mobile device with your Memo Bank account makes verifying your identity and approving sensitive financial operations simple and secure. You will not be able to access your online account without downloading the app. Important: this application is designed solely for the purpose of securing your account and associated transactions. If you would like to check your balance using a mobile device, simply access our mobile-responsive site https://client.memo.bank from your device’s browser. To pair your iPhone or iPad with your Memo Bank account, download the app and scan the QR code that appears on your computer screen when you connect to your account. Once the app has been installed and linked to your Memo Bank account, that’s it. There is nothing else to do on your part. You will automatically receive a notification each time you need to authorize any of the following: - Logging into your Memo Bank account; - Changing of your password; - Inviting a new user; - Sending a wire transfer; - Adding a beneficiary; - Adding a direct debit mandate. To reinforce your iPhone or iPad’s security, you can add Touch ID or Face ID authentication.

About

Olkypay

Manage personal and business accounts from a single interface. Facilitates secure and rapid transactions, including instant payments up to €100,000. Offers remote payment collection for businesses and online capital deposits for new companies.

Highlights
  • Unified personal and business account access
  • Instant payments up to €100,000
  • Remote payment collection for businesses
  • Online capital deposit for new companies
  • Card management (block/unblock)
  • Transaction and balance monitoring
Features
Read full description

Olkypay, the 1st neobank for everyone! The Olkypay application allows you to consult your accounts easily, quickly and securely, anywhere and anytime. Whether you are an individual or a company (self-employed, craftsman, trader, e-merchant, liberal profession, association, limited company, non-trading property company...) or even if you are only at the stage of depositing capital for your new company, Olkypay allows you to open an account in a few minutes by going to the website https://www.olkypay.com/EN/index.php. - Access your different business and personal accounts on the same interface - Take advantage of the separation between the card account and the current account for a more precise follow-up and offer card accounts to your employees - Find your last transactions, your balance and your upcoming transactions - Create, validate or cancel one-off and recurring transfers - Use Instant Payment (or instant transfer) up to €100,000 per transaction. Transfers are credited in less than 10 seconds anywhere in Europe, even at weekends and on public holidays - Create new beneficiaries - Block your card if it is lost or stolen and unblock it if you find it - Share your bank details - Set daily, weekly and monthly limits Companies, collect your customers in a smooth way: - Remote collection by virtual POS terminal - Distance selling contract for e-commerce sites - Provision of an authorisation number for debiting your customers (ICS) - Management of mandates with remote handwritten or electronic signature - Automatic collection of unpaid invoices - 100% online capital deposit for companies in the process of incorporation (capital deposit certificate within 48 working hours*) The Olkypay application is a free service available to Olkypay customers. Not yet an Olkypay customer? Subscribe in less than 5 minutes and receive the IBAN we have reserved for you! For INDIVIDUALS, go to https://register.olkypay.com/?_locale=en For PROS go to https://iban-express.olkypay.com/configurateur?_locale=en For more information: The Olkypay website: https://www.olkypay.com/EN/index.php Follow us on Facebook: https://www.facebook.com/Olkypay On Instagram: https://www.instagram.com/olkypay_official/ And on LinkedIn: https://www.linkedin.com/company/olky-payment-service-provider-s-a/ *Certificate of capital deposit sent after receipt of funds and draft statutes.

Screenshots

Memo Bank Authenticator4 screens
Olkypay4 screens

Verdict

The call

The clearest difference is review sentiment: Olkypay at 29% against Memo Bank Authenticator's 0%. Olkypay also leads on iOS requirement (12.0 vs 15.0). On price, update cadence, ads and in-app purchases 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

Memo Bank Authenticator ships an update every 3 months, Olkypay every 2 months. The most recent releases landed on October 16, 2026 and October 6, 2026 respectively.

Scorecard2 real differences · 8 level
Memo Bank Authenticator versus Olkypay: the parameters behind the verdict, then further details
ParameterMemo Bank AuthenticatorOlkypay
PriceFreeFree
Rating—4.0 (2 ratings) — better
Positive reviews0.0% of reviews28.6% of reviews — better
Number of ratings—2 — better
Update frequencyEvery 3 monthsEvery 2 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.012.0 — better
Further details — not scored
Size22 MB98 MB
Age rating4+4+
DeveloperMemo Bank SAolkyrent sa

Customer experience

Memo Bank Authenticator

Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Olkypay

All ratings2 ratings
Positive50.0%
Neutral50.0%
Negative0.0%
Written reviews14 reviews
Positive28.6%
Neutral0.0%
Negative71.4%

In-app purchases

None

Memo Bank Authenticator

No in-app purchases

None

Olkypay

No in-app purchases

Questions

Is Memo Bank Authenticator free?
Memo Bank Authenticator is free to download, with no in-app purchases.
Is Olkypay free?
Olkypay is free to download, with no in-app purchases.
Do Memo Bank Authenticator or Olkypay have ads?
Neither Memo Bank Authenticator nor Olkypay shows ads.
Which is updated more often, Memo Bank Authenticator or Olkypay?
Memo Bank Authenticator ships an update every 3 months, and Olkypay every 2 months. Most recently, Memo Bank Authenticator was updated on October 16, 2026 and Olkypay on October 6, 2026.

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