AFNO vs e.PN
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
AFNO
Manage your finances with a prepaid debit card and FDIC-insured deposit account. Receive direct deposits, add your card to digital wallets, and make everyday transactions.
- Prepaid debit card
- FDIC insured deposit account
- Direct deposit support
- Digital wallet integration
- Everyday transaction capabilities
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AFNO is a prepaid debit card application. The app provides users with access to FDIC insured demand deposit account with a routing and account number where they can receive direct deposits, add their card to digital wallet, use their card to make day to day transactions.
e.PN
Effortlessly pay for goods and services with virtual cards from international banks. Issue multiple cards and transfer funds quickly between accounts with no restrictions or blocks.
- Virtual cards from international banks
- Pay for goods and services
- No restrictions or blocks
- Issue multiple cards
- Transfer funds between accounts
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No restrictions or blocks. Pay for the services you need quickly and effortlessly using virtual cards from international banks. Our product allows issuing multiple cards for one user at once and transferring funds from one account to another in just a couple of clicks.
Screenshots
Verdict
The clearest difference is review sentiment: e.PN at 81% against AFNO's 25%. e.PN also leads on rating (4.6 vs 2.1) and ads (none vs shown). AFNO's advantage is iOS requirement (11.0 vs 17). On price, in-app purchases and device support 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
e.PN holds the better App Store score, 4.6 against 2.1. That said, the two scores are not equally well evidenced: e.PN has 73 ratings behind it against 14, so its average is the more settled of the two. Written reviews point the same way: 25% of AFNO's written reviews are positive against 81% of e.PN's.
AFNO ships an update every 16 months, e.PN every 10 days. The most recent releases landed on October 24, 2026 and October 30, 2026 respectively.
| Parameter | AFNO | e.PN |
|---|---|---|
| Price | Free | Free |
| Rating | 2.1 (14 ratings) | 4.6 (73 ratings) — better |
| Positive reviews | 25.0% of reviews | 81.4% of reviews — better |
| Number of ratings | 14 | 73 — better |
| Update frequency | Every 16 months | Every 10 days — better |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 11.0 — better | 17 |
| Further details — not scored | ||
| Size | 29 MB | 162 MB |
| Age rating | 4+ | 17+ |
| Developer | AFNO Financial Holdings Corporation | Digital Waves LTD |
Customer experience
AFNO
e.PN
Bugs and requests
AFNO
Not enough reviews yet to summarise bugs or requests.
e.PN
Reported bugs
9 issues- Funds not credited after deposit
- App not working on phone
- Payment declines for subscriptions
- Support provides copy-paste replies
- Lost money on fees and top-up with unusable card
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- Crypto transfers not arriving
- Money stolen and accounts closed
- Cards not being issued
- No refund policy
Requested features
1 request- More details from original website, including FAQ section
In-app purchases
AFNO
No in-app purchases
e.PN
No in-app purchases
