Payella vs Xward Pay
Price, ratings, monetisation and update history for both apps, side by side โ with what reviewers say about each.
Payella
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At Payella we have created solutions for private and corporate clients who are looking for robust financial tools to make their daily operations more efficient: โ Remote opening of private and corporate accounts; โ Customizable White Label solutions; โ Physical & virtual payment cards, powered by Mastercard. A current account from Payella will empower you with a range of essential features: โ Unique multi-currency IBANs; โ SWIFT & SEPA transactions; โ Cards for daily online and in-store payments, salary payouts, and ATM withdrawals; โ Security you can trust; โ Competitive pricing; โ Professional customer support. The Payella app allows you to manage financial operations directly from your smartphone and gives you full control over your funds 24/7: โ Transfer initiation; โ Card top-up; โ Transaction history overview; โ Customer support chat. Enjoy a new way to deal with private and corporate funds through the integration of advanced and secure technologies, packed in a satisfying user experience.
Xward Pay
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Xward Pay is a modern bank which provides the customers with a progressive tool of personal banking. Weโve put in all our experience into creating the most convenient mobile app. Simple transfers, paying utility bills, a functional statement, and card settings which meant going to the bank office are now in your pocket!
Screenshots
Verdict
The clearest difference is ads: Xward Pay at none against Payella's shown. Payella's advantage is iOS requirement (11.0 vs 13.4). On price, update cadence, 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
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 months. The most recent releases landed on September 17, 2026 and September 19, 2026 respectively.
| Parameter | Payella | Xward Pay |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 3 months | Every 3 months |
| Ads | Yes | No โ better |
| In-app purchases | No | No |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 11.0 โ better | 13.4 |
| Further details โ not scored | ||
| Size | 58 MB | 69 MB |
| Age rating | 4+ | 4+ |
| Developer | PAYELLA GROUP LTD | Xward Pay Inc |
In-app purchases
Payella
No in-app purchases
Xward Pay
No in-app purchases






