VM Digital Token vs PayAveta
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
VM Digital Token
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VMBS business banking token app
PayAveta
Manage your digital wallet for spending, sending, and withdrawing cash with minimal fees. Seamlessly transfer funds from PayPal, top up mobile airtime, and even engage with cryptocurrency. Enjoy instant, free peer-to-peer payments and secure virtual card options.
- Withdraw from PayPal
- Instant free money transfers
- Cryptocurrency buying and selling
- Mobile airtime top-up
- Virtual prepaid Mastercard withdrawals
- Low transaction fees
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Register for your PayAveta wallet - Your wallet's new superpower. Enjoy spending, sending and withdrawing cash with absurdly low fees. The world’s literally at your fingertips. Withdraw From PayPal Users can withdraw PayPal funds through supported partners, convert balances into USD or local currency, and manage their money securely all in one place. Once funds are available in your wallet, you can use them for transfers, payments, or convert them to supported virtual cards for online and in-store purchases. No hidden fees Say goodbye to those annoying and sudden deductions from your account balance that come out of nowhere: no maintenance charges, there’s no minimum amount to have an wallet with us. Pay people instantly - for free Why should you need to spend money to send money? Pay whoever you want, whenever you want, as many times as you want. It’s on us. A plus? We don’t do SMS and email OTP passwords for transfers so that also means transfers are lightening fast. Crypto Buy, sell, and receive cryptocurrency assets as remittance from any platform that supports crypto on the chain. Mobile Airtime Top-Up: Easily recharge your phone or loved ones' phones with mobile airtime from within the app. Top-up any network with just a few taps. Withdraw to Prepaid Mastercard: You can now withdraw funds directly to a non-reloadable virtual prepaid Mastercard. Use it for online shopping or link it to Apple Pay/Google Pay for contactless payments at stores. Rapidly responsive customer service We believe that contacting customer support ought to be as simple as texting a friend. Therefore, you may contact our PayaCare by in-app live chat at any time. We communicate in English, Emoji! We will constantly reply. You are in complete control. Cashout to any bank of your choice. Visit our Facebook and Instagram sites to stay up to speed on the latest PayAveta news. facebook.com/payaveta instagram.com/payaveta linkedin.com/company/payaveta Have any ideas? Contact us at developer@payaveta.com if you have any thoughts, comments, love, or recommendations on how we may enhance the user experience. Privacy Policy => http://www.payaveta.com/privacy-policy Terms & conditions => http://www.payaveta.com/terms
Screenshots
Verdict
The clearest difference is ads: VM Digital Token at none against PayAveta's shown. VM Digital Token also leads on iOS requirement (13.0 vs 15). PayAveta's advantage is update cadence (fortnightly vs every 12 months). On price, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
VM Digital Token ships an update every 12 months, PayAveta fortnightly. The most recent releases landed on September 10, 2026 and September 3, 2026 respectively.
| Parameter | VM Digital Token | PayAveta |
|---|---|---|
| Price | Free | Free |
| Rating | — | 3.5 (4 ratings) — better |
| Positive reviews | — | 0.0% of reviews |
| Number of ratings | — | 4 — better |
| Update frequency | Every 12 months | Fortnightly — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | — | Ad-supported |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 13.0 — better | 15 |
| Further details — not scored | ||
| Size | 6 MB | 240 MB |
| Age rating | 4+ | 17+ |
| Developer | The Victoria Mutual Building Society | PayAveta Limited |
In-app purchases
VM Digital Token
No in-app purchases
PayAveta
No in-app purchases
Questions
Is VM Digital Token free?
Is PayAveta free?
Do VM Digital Token or PayAveta have ads?
Which is updated more often, VM Digital Token or PayAveta?
Other comparisons
