Comparison

moolahPAY vs Evela AI

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

Head to head
About

moolahPAY

This payment super app allows users to exchange currencies, send money internationally at competitive rates, and make local payments. It offers rewards for transactions and secure top-up options.

Highlights
  • International money remittance
  • Multi-currency exchange
  • Local PayNow payments
  • Cashless QR code payments
  • Transaction rewards (mCoins)
  • Secure e-wallet top-ups
Features
Read full description

We've Re-branded to moolahPAY! • After 2.5 years of winning the hearts of Singapore consumers, we've decided to name your beloved payment app to "moolahPAY". Read more about our name change here: https://www.moolahgo.com/moolahgo-rebrands-its-popular-consumer-e-wallet-app-to-moolahpay/ 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 SGQR payments 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/)

About

Evela AI

Features
Read full description

Earning and spending in different currencies? Evela brings it all into one total, in the currency you think in. It’s an expense and income tracker with no bank logins: cash, cards and accounts in different countries and currencies. You add entries yourself, by hand or by voice, and Evela points out what’s changing in your spending. Voice entry and AI insights come with the Evela AI plan. Entries and your total are free on every plan. ALL YOUR MONEY, ONE TOTAL Cash in your pocket, a card from your home bank, an account in another country: each keeps its own currency. Evela brings them into one total in the currency that suits you. Some accounts, like savings, can be hidden from the total so they stay out of sight. Net worth is everything you own, hidden accounts included. Both are on every plan. Cash counts too: count your notes, type the number, and Evela shows the difference from your entries. NO BANK LOGINS Evela never asks for a bank login and never connects to one. Apps tied to a bank usually miss cash, accounts abroad and currencies your bank doesn’t hold. JUST SAY IT “Coffee, two dollars, yesterday, cash.” One spoken sentence becomes an entry with the amount, category, date and account. Voice understands eleven languages, including Spanish, Hindi and Japanese, and comes with the Evela AI plan. Typing is free on every plan. AI INSIGHTS ON SPENDING Evela reads your entries and points out what’s changing: a category creeping up, a payment that repeats, a week that doesn’t look like the rest. AI puts it into plain words. FREE ON EVERY PLAN The money tracker itself, with no limits: expenses, income and transfers; accounts for cards, cash and money set aside; full history. Spending by category. Cash reconciliation, Net worth and CSV export. App lock with a PIN or biometrics (Face ID, fingerprint), and a private mode that hides amounts in the app. Typing works offline, and entries sync later. THE EVELA AI PLAN Voice entry and the Insights feed. New subscribers get the first month free, once per store account and only when the purchase screen shows the offer. After the free month the plan renews automatically at the monthly or yearly price you chose, until you cancel; the price is shown before you subscribe. The first charge can be avoided by cancelling at least 24 hours before the free month ends. Manage or cancel in your app store’s subscription settings, not inside the app. Power has the same features at a higher price, with no free month, for those who want to support a small team. PRIVACY Your data is encrypted on your device and synced to your own cloud account. Voice entry, category suggestions and AI insights run on our server; our speech-recognition and AI providers get only what each answer needs, never your full history. Your numbers are never sold and never used for ads. Details are in the privacy policy. Evela is a personal finance tracker. It is not a bank, does not connect to bank accounts, and does not provide investment, tax or financial advice. Terms of Use: https://evela.ai/terms/ Apple standard EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

moolahPAY4 screens
Evela AI4 screens

Verdict

The call

The clearest difference is in-app purchases: moolahPAY at none against Evela AI's 4. Evela AI's advantage is update cadence (every 3 days vs every 5 weeks). On price, ads, 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Evela AI sells 4 in-app purchases, starting at $2.99 per month. moolahPAY asks for nothing beyond the download.

UpkeepUpdate frequency

moolahPAY ships an update every 5 weeks, Evela AI every 3 days. The most recent releases landed on October 30, 2026 and October 31, 2026 respectively.

Scorecard2 real differences · 8 level
moolahPAY versus Evela AI: the parameters behind the verdict, then further details
ParametermoolahPAYEvela AI
PriceFreeFree
Rating4.0 (1 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings1 — better—
Update frequencyEvery 5 weeksEvery 3 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationAd-supported—
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.615.0 — better
Further details — not scored
Size114 MB47 MB
Age rating4+4+
DeveloperMoolahGo Pte LtdViola Brevnova

In-app purchases

None

moolahPAY

No in-app purchases

4 purchases

Evela AI

Subscriptions4
  • Evela AI1 Month trial$2.991 Month
  • Power$5.991 Month
  • Evela AI1 Month trial$23.991 Year
Show 1 more
  • Power$59.991 Year

Questions

Is moolahPAY free?
moolahPAY is free to download, with no in-app purchases.
Is Evela AI free?
Evela AI is free to download, with in-app purchases available.
Do moolahPAY or Evela AI have ads?
Neither moolahPAY nor Evela AI shows ads.
Which is updated more often, moolahPAY or Evela AI?
moolahPAY ships an update every 5 weeks, and Evela AI every 3 days. Most recently, moolahPAY was updated on October 30, 2026 and Evela AI on October 31, 2026.

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