SelfPay Now vs MyCredex
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Instant cash deposits to any card
- Free money transfers to friends
- Transfer between your cards
- Pay bills and taxes
- Nationwide payment station network
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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
MyCredex
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on November 3, 2026 and October 30, 2026 respectively.
| Parameter | SelfPay Now | MyCredex |
|---|---|---|
| Price | Free | Free |
| Rating | 4.3 (6 ratings) — better | — |
| Positive reviews | 50.9% of reviews | — |
| Number of ratings | 6 — better | — |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone | iPhone, iPod — better |
| Requires iOS | 16.5 | 15.6 — better |
| Further details — not scored | ||
| Size | 108 MB | 76 MB |
| Age rating | 4+ | 17+ |
| Developer | SelfPay S.A | Credex IFN S.A. |
In-app purchases
SelfPay Now
No in-app purchases
MyCredex
No in-app purchases









