Comparison

SelfPay Now vs MyCredex

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

Head to head
About

SelfPay Now

Easily deposit cash onto any card at payment stations, transfer money instantly and for free to friends or between your cards, and pay bills and taxes to municipalities. Turn any station into a deposit ATM for immediate access to your funds.

Highlights
  • Instant cash deposits to any card
  • Free money transfers to friends
  • Transfer between your cards
  • Pay bills and taxes
  • Nationwide payment station network
Features
Read full description

Download SelfPay Now and enjoy a simple and secure financial experience: • Deposit cash instantly onto any card at SelfPay Payment Stations. • Transfer money – instantly and for free – to friends or between your cards, regardless of the issuing bank. • Pay bills and local taxes directly from the app • Purchase your Romanian vignette, Bulgarian vignette and Fetești bridge toll in just a few taps • Save your vehicle details in My Garage for easier management • Keep all your loyalty cards in one place • Top up your prepaid mobile credit or purchase a Travel eSIM in seconds • Buy gaming credits and licenses • Purchase digital gift cards for your favorite services • Check a vehicle's history through the AiDaune service • Purchase your RCA car insurance directly from the app • Purchase 9695 roadside assistance services SelfPay Now quickly and easily turns your cash into money on your card, exactly when you need it. You can deposit cash at any of the 14.000+ SelfPay Payment Stations across the country, and the money is instantly available on your card - no trips to the bank and no reliance on ATMs. With an extensive network of Payment Stations located in supermarkets, gas stations, and convenience stores, you have the freedom to make deposits wherever you are. With access to over 200 services, SelfPay Now is the app that makes managing your everyday payments and services easier. Everything you need is available in one place - fast, secure and easy to use. Address: 153-155 Dacia Blvd., Floors 5-7, Sector 2, Bucharest, Romania

About

MyCredex

Features
Read full description

Daca esti cetatean roman, ai intre 18 si 75 ani (la maturitatea creditului) si ai nevoie de finantare pentru planurile tale, atunci Credex IFN S.A. iti pune la dispozitie solutii financiare transparente, rapide si usor de accesat: - Poti obtine de la 300 lei pana la 50,000 lei (pentru care DAE maxim calculat pe o durata de 59 luni este 35.32%); - Dobanda anuala este fixa pe toata durata finantarii, incepand cu 9.99% pe an; - Poti alege termenul de finantare pentru o perioada intre 61 zile si 59 luni; - Nu iti cerem avans sau garantii. Acceptam o gama variata de venituri: salarii, pensii, venituri din PFA etc. De exemplu, pentru un imprumut de 50,000 lei rambursat in 59 luni, rata anuala (fixa) a dobanzii de 30%, rata lunara este de 1,649.11 lei iar dobanda anuala efectiva (DAE) este de 35.32%. Suma maxima de rambursat este 97,297.21 lei si include: - 50,000 lei (principal) + 290 lei taxa analiza dosar; - comisionul de administrare, in valoare lunara de 10 lei x 59 luni = 590 lei; - 46,417.21 lei, reprezentand dobanda pe 59 luni pentru principal Datele tale personale sunt in deplina siguranta. Politica de confidentialitate Credex IFN S.A. poate fi consultata la adresa https://credex-ifn.ro/politica-de-confidentialitate-app-mob/

Screenshots

SelfPay Now4 screens
MyCredex4 screens

Verdict

The call

SelfPay Now and MyCredex are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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

Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on November 3, 2026 and October 30, 2026 respectively.

ScorecardNo meaningful differences
SelfPay Now versus MyCredex: the parameters behind the verdict, then further details
ParameterSelfPay NowMyCredex
PriceFreeFree
Rating4.3 (6 ratings) — better—
Positive reviews50.9% of reviews—
Number of ratings6 — better—
Update frequencyEvery 3 weeksEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhoneiPhone, iPod — better
Requires iOS16.515.6 — better
Further details — not scored
Size108 MB76 MB
Age rating4+17+
DeveloperSelfPay S.ACredex IFN S.A.

In-app purchases

None

SelfPay Now

No in-app purchases

None

MyCredex

No in-app purchases

Questions

Is SelfPay Now free?
SelfPay Now is free to download, with no in-app purchases.
Is MyCredex free?
MyCredex is free to download, with no in-app purchases.
Do SelfPay Now or MyCredex have ads?
Neither SelfPay Now nor MyCredex shows ads.
Which is updated more often, SelfPay Now or MyCredex?
SelfPay Now ships an update every 3 weeks, and MyCredex every 3 weeks. Most recently, SelfPay Now was updated on November 3, 2026 and MyCredex on October 30, 2026.

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