moolahPAY vs Thrift Meld
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
moolahPAY
This app is a Singapore-based payment super app that allows users to exchange currencies, send money internationally at competitive rates, and make local payments. It offers rewards for transactions and provides secure, regulated financial services.
- International money transfers
- Multi-currency exchange
- Local PayNow payments
- QR Scan & Pay
- Earn reward points (mCoins®)
- Secure e-wallet top-ups
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Latest Promotion • All New to moolahPAY users will get a Special Privilege of much higher exchange rates and fee waiver for your 1st cross-border transfer transaction! moolahPAY e-Wallet • moolahPAY is a Singapore payment super app that gives you access to extremely attractive currency exchange rates, remit money to over 20 countries at good rates, purchase your multi-currencies for travel or investment needs, make PayNow payment, QR Scan & Pay in Vietnam, Philippines and many more. • Best thing is, 1st Timer Users get to enjoy special privileges such as Fees Waiver and Exchange Rates even higher than market rate! What can you do with moolahPAY? Top-up • Conveniently top up your eWallet securely via multiple methods including international Credit/Debit cards, PayNow, QR-code scanning and Bank transfer • Top up for immediate use or auto-debited for future payments Send Money (Cross-border Remittances) • Send money at highly competitive exchange rates, seamlessly and on real-time • Send from Singapore to over 20+ countries • SG's 1st e-Wallet capable of sending money to Indonesia wallets at just 50 Cents per transaction Exchange Currencies • Exchange your currencies at the same competitive rates in your multi-currency eWallet Pay Now (Peer-to-Peer Payments) • Send money locally in SG to your friends free of charge • Pay your friends using Singapore's PayNow network • Handy and more rewarding alternative to your bank app Buy Now (Cashless Payments) • Pay for your purchases without using cash • Scan SGQR PayNow QR Codes Earn Rewards • Get rewarded for your transactions (including top-ups!) • Accumulate our reward points named mCoins® when you transact • Redeem for vouchers at popular retailers About Moolahgo We are an ambitious and rapidly growing digital multi-currency payments Fintech with the mission to challenge the status quo and make financial services fair and accessible to everyone (businesses and individuals). Why Moolahgo? • Licensed and regulated by The Monetary Authority of Singapore as a Major Payments Institution (License No.: PS20200262) • Your money is strictly separated from our own funds so they are secure • Well capitalized - multi-million dollars in paid-up capital. Plus, security deposit held with MAS • Secure – PCI DSS security standards for cards processing, Biometric sign-in, PIN enforcement before wallet deduction Ready to gain control of your finances and get rewarded for it? Download moolahPAY now, sign up for your free account, and start saving with us! --------- Send from: Singapore (SGD) To: Australia (AUD), Bangladesh (BDT), Canada (CAD), China (CNY, CNH), Europe (EUR), Great Britain (GBP), Hong Kong (HKD), Indonesia (IDR), India (INR), Japan (JPY), Kenya (KES), Malaysia (MYR), Nepal (NPR), New Zealand (NZD), Philippines (PHP), South Korea (KRW), Sri Lanka (LKR), Switzerland (CHF), Taiwan (TWD), Thailand (THB), United States (USD), Vietnam (VND), and more... --------- Term of use at https://www.moolahgo.com/index.php/view/tos Privacy policy at https://www.moolahgo.com/index.php/view/privacy Find out more about us at https://www.moolahgo.com/ Follow us on LinkedIn (https://sg.linkedin.com/company/moolahgo), Facebook (https://www.facebook.com/MoolahGoFintech/), and Instagram (https://www.instagram.com/moolahgo/)
Thrift Meld
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Take control of your subscriptions with Thrift Meld — the AI-powered app that tracks every recurring payment, prevents wasteful spending, and helps you save money every month. The average person loses hundreds of dollars a year on forgotten subscriptions. Thrift Meld gives you a clear picture of where your money goes and smart recommendations to cut costs. KEY FEATURES Track all subscriptions in one place — streaming, music, gym, cloud storage, and more Smart renewal alerts before every billing cycle Visual spending analytics with 12-month history AI-powered savings advisor that finds opportunities to cut costs Alternative suggestions for cheaper services Unused subscription detection Monthly and yearly budget tracking with alerts 20+ categories plus unlimited custom options Export data to CSV and PDF Achievements and streaks PREMIUM FEATURES • Unlimited subscription tracking • Advanced AI insights • Priority support Thrift Meld Pro — $7.99/month or $39.99/year. Payment is charged to your Apple ID at purchase. Subscriptions auto-renew unless turned off at least 24 hours before renewal. You can manage and cancel your subscription anytime in your App Store Account Settings. PRIVACY FIRST Your financial data is yours. We use industry-standard encryption and never sell your personal information. Privacy Policy: https://thriftmeld.infoinlet.com/privacy Terms of Service: https://thriftmeld.infoinlet.com/terms SUPPORT Email: contact@infoinlet.com Website: https://thriftmeld.infoinlet.com Download Thrift Meld today and start saving.
Screenshots
Verdict
The clearest difference is in-app purchases: moolahPAY at none against Thrift Meld's 4. moolahPAY also leads on ads (none vs shown). Thrift Meld's advantage is update cadence (every 3 weeks vs every 5 weeks). On price, 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. Thrift Meld sells 4 in-app purchases, starting at $3.99 per month. moolahPAY asks for nothing beyond the download.
moolahPAY ships an update every 5 weeks, Thrift Meld every 3 weeks. The most recent releases landed on November 11, 2026 and November 9, 2026 respectively.
| Parameter | moolahPAY | Thrift Meld |
|---|---|---|
| Price | Free | Free |
| Rating | 4.0 (1 ratings) — better | — |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 1 — better | — |
| Update frequency | Every 5 weeks | Every 3 weeks — better |
| Ads | No — better | Yes |
| In-app purchases | No — better | Yes |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.6 | 15.0 — better |
| Further details — not scored | ||
| Size | 114 MB | 48 MB |
| Age rating | 12+ | 4+ |
| Developer | MoolahGo Pte Ltd | INFO INLET K.K. |
In-app purchases
moolahPAY
No in-app purchases
Thrift Meld
- Premium Monthly Offer$3.991 Month
- Premium Monthly7 Days trial$7.991 Month
- Premium Yearly Offer$23.991 Year
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- Premium Yearly7 Days trial$39.991 Year









