# AFNO vs e.PN

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.

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.

## The numbers

| Metric | AFNO | e.PN |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.1 (14 ratings)](https://appshunter.io/ios/app/afno/id1587503504/reviews) | **[4.6 (73 ratings)](https://appshunter.io/ios/app/epn-virtual-cards/id6504874959/reviews)** |
| Number of ratings | 14 | **73** |
| Positive reviews | 25.0% of reviews | **81.4% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 16 months | **Every 10 days** |
| Monetization | Ad-supported | **Free** |
| Size | 29 MB | 162 MB |
| Requires iOS | **11.0** | 17 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 17+ |
| Developer | [AFNO Financial Holdings Corporation](https://appshunter.io/developer/1587503506) | [Digital Waves LTD](https://appshunter.io/developer/1844813064) |

## What reviewers say

### AFNO

[App page](https://appshunter.io/ios/app/afno/id1587503504)

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.

**Highlights:** Prepaid debit card, FDIC insured deposit account, Direct deposit support, Digital wallet integration, Everyday transaction capabilities

**Features:** macOS Compatibility

**In-app purchases:** none


### e.PN

[App page](https://appshunter.io/ios/app/epn-virtual-cards/id6504874959)

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.

**Highlights:** Virtual cards from international banks, Pay for goods and services, No restrictions or blocks, Issue multiple cards, Transfer funds between accounts

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly interface
- 🚀 Fast and simple card issuance
- 💰 Favorable tariffs and competitive rates
- 💬 Responsive and helpful support
- 💳 Multiple virtual cards for different purposes

**What reviewers complain about**

- ⚠️ Misleading information about minimum deposit
- 💸 High commissions and hidden fees
- ❓ Dynamic commission changes make calculation difficult
- 😞 Support team initially unhelpful
- 🚫 Potential for account blocking

**Reported bugs**

- 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

**Requested features**

- More details from original website, including FAQ section


## Frequently asked questions

### Is AFNO free?

AFNO is free to download, with no in-app purchases.

### Is e.PN free?

e.PN is free to download, with no in-app purchases.

### Which has better reviews, AFNO or e.PN?

e.PN is rated higher. AFNO averages 2.1 out of 5 from 14 ratings, while e.PN averages 4.6 from 73 ratings.

### Do AFNO or e.PN have ads?

AFNO shows ads; e.PN does not.

### Which is updated more often, AFNO or e.PN?

AFNO ships an update every 16 months, and e.PN every 10 days. Most recently, AFNO was updated on October 24, 2026 and e.PN on October 30, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*