Comparison

Payella vs Xward Pay

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

Head to head
About

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.

About

Xward Pay

Features
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Xward Pay is a modern bank which provides the customers with a progressive tool of personal banking. Weโ€™ve 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

Payella3 screens
Xward Pay4 screens

Verdict

The call

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

CostPrice ยท In-app purchases ยท Ads ยท 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 months. The most recent releases landed on September 17, 2026 and September 19, 2026 respectively.

Scorecard2 real differences ยท 4 level
Payella versus Xward Pay: the parameters behind the verdict, then further details
ParameterPayellaXward Pay
PriceFreeFree
Update frequencyEvery 3 monthsEvery 3 months
AdsYesNo โ€” better
In-app purchasesNoNo
DevicesiPhone, iPodiPhone, iPod
Requires iOS11.0 โ€” better13.4
Further details โ€” not scored
Size58 MB69 MB
Age rating4+4+
DeveloperPAYELLA GROUP LTDXward Pay Inc

In-app purchases

None

Payella

No in-app purchases

None

Xward Pay

No in-app purchases

Questions

Is Payella free?
Payella is free to download, with no in-app purchases.
Is Xward Pay free?
Xward Pay is free to download, with no in-app purchases.
Do Payella or Xward Pay have ads?
Payella shows ads; Xward Pay does not.
Which is updated more often, Payella or Xward Pay?
Payella ships an update every 3 months, and Xward Pay every 3 months. Most recently, Payella was updated on September 17, 2026 and Xward Pay on September 19, 2026.

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