Comparison

MyPaynetics vs Moneygate

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

Head to head
About

MyPaynetics

Digitize all your compensation, bonus, and gift cards to use them directly from your phone for a frictionless shopping experience. Manage your cards securely, reveal credentials for online shopping, and receive real-time transaction notifications.

Highlights
  • Digitize compensation, bonus, and gift cards
  • Pay with phone using Apple Pay
  • Reveal card credentials for online shopping
  • Freeze and unfreeze cards
  • Real-time transaction notifications
  • Bank-grade security
Features
Read full description

MyPaynetics: keep all your cards in the phone โ€ข MyPaynetics is the app that keeps all your cards digitized in your phone and easy sleezy helps you to use them while enjoying a frictionless shopping experience. โ€ข With the MyPaynetics app you can link any type of compensation, remuneration, bonus or gift cards. โ€ข MyPaynetics app is powered by phyre JSC. Link all your cards Link your bonus, compensation, remuneration or gift cards and use them directly from your phone. Once you link your card, you can pay with your phone using Apple Pay and follow your transactions in real time. Manage your cards on the go Reveal your card credentials and shop online with no risk! Stay secure - freeze and unfreeze it whenever you want to. Protect yourself from forgotten automated payments and subscriptions by getting real time notifications for every transaction. Bank-grade security We take security seriously. Payments in MyPaynetics are processed by Paynetics, an EU licensed e-money institution that is a principal member of VISA and Mastercard. We have a bank-grade security system and our application has been certificated by Mastercard. Payment services through the MyPaynetics app are provided by Paynetics AD - an electronic money company, holding a license issued by the Bulgarian National Bank (BNB) with decision โ„– 44 of 11.04.2016. phyre AD is a provider of the MyPaynetics app and a representative of Paynetics AD, entered in the BNB register under Art. 19 of Payment Services and Payment systems Act. If you have any questions or feedback, please contact us at cardassistance@paynetics.digital. We will be more than happy to hear from you.

About

Moneygate

Features
Read full description

Moneygate mobile banking app enables Moneygate's customers to perform their everyday banking from their mobile devices. Using the Moneygate app you can quickly gain access to your accounts securely using Face ID or Biometrics, check your account balances, make payments or exchange currency on the go. Using Moneygate app you can also download account certificates, statements or transfer receipts to your mobile device.

Screenshots

MyPaynetics4 screens
Moneygate4 screens

Verdict

The call

The clearest difference is update cadence: Moneygate at fortnightly against MyPaynetics's every 2 months. MyPaynetics's advantage is iOS requirement (15.0 vs 18.0). On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price ยท Rating ยท Positive reviews ยท Number of ratings ยท Update frequency ยท Ads ยท In-app purchases ยท Monetization ยท Best chart rank ยท Devices ยท Requires iOS

CostPrice ยท In-app purchases ยท Ads ยท Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

MyPaynetics ships an update every 2 months, Moneygate fortnightly. Both last shipped on November 3, 2026.

Scorecard2 real differences ยท 6 level
MyPaynetics versus Moneygate: the parameters behind the verdict, then further details
ParameterMyPayneticsMoneygate
PriceFreeFree
Positive reviews6.7% of reviewsโ€”
Update frequencyEvery 2 monthsFortnightly โ€” better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeโ€”
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.0 โ€” better18.0
Further details โ€” not scored
Size175 MB59 MB
Age rating4+17+
DeveloperPhyre JSCMoneyGate

In-app purchases

None

MyPaynetics

No in-app purchases

None

Moneygate

No in-app purchases

Questions

Is MyPaynetics free?
MyPaynetics is free to download, with no in-app purchases.
Is Moneygate free?
Moneygate is free to download, with no in-app purchases.
Do MyPaynetics or Moneygate have ads?
Neither MyPaynetics nor Moneygate shows ads.
Which is updated more often, MyPaynetics or Moneygate?
MyPaynetics ships an update every 2 months, and Moneygate fortnightly. Most recently, MyPaynetics was updated on November 3, 2026 and Moneygate on November 3, 2026.

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