Comparison

Olkypay vs Incard

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

Head to head
About

Olkypay

Manage personal and business accounts from a single interface. Facilitates secure and rapid transactions, including instant payments up to €100,000. Offers remote payment collection for businesses and online capital deposits for new companies.

Highlights
  • Unified personal and business account access
  • Instant payments up to €100,000
  • Remote payment collection for businesses
  • Online capital deposit for new companies
  • Card management (block/unblock)
  • Transaction and balance monitoring
Features
Read full description

Olkypay, the 1st neobank for everyone! The Olkypay application allows you to consult your accounts easily, quickly and securely, anywhere and anytime. Whether you are an individual or a company (self-employed, craftsman, trader, e-merchant, liberal profession, association, limited company, non-trading property company...) or even if you are only at the stage of depositing capital for your new company, Olkypay allows you to open an account in a few minutes by going to the website https://www.olkypay.com/EN/index.php. - Access your different business and personal accounts on the same interface - Take advantage of the separation between the card account and the current account for a more precise follow-up and offer card accounts to your employees - Find your last transactions, your balance and your upcoming transactions - Create, validate or cancel one-off and recurring transfers - Use Instant Payment (or instant transfer) up to €100,000 per transaction. Transfers are credited in less than 10 seconds anywhere in Europe, even at weekends and on public holidays - Create new beneficiaries - Block your card if it is lost or stolen and unblock it if you find it - Share your bank details - Set daily, weekly and monthly limits Companies, collect your customers in a smooth way: - Remote collection by virtual POS terminal - Distance selling contract for e-commerce sites - Provision of an authorisation number for debiting your customers (ICS) - Management of mandates with remote handwritten or electronic signature - Automatic collection of unpaid invoices - 100% online capital deposit for companies in the process of incorporation (capital deposit certificate within 48 working hours*) The Olkypay application is a free service available to Olkypay customers. Not yet an Olkypay customer? Subscribe in less than 5 minutes and receive the IBAN we have reserved for you! For INDIVIDUALS, go to https://register.olkypay.com/?_locale=en For PROS go to https://iban-express.olkypay.com/configurateur?_locale=en For more information: The Olkypay website: https://www.olkypay.com/EN/index.php Follow us on Facebook: https://www.facebook.com/Olkypay On Instagram: https://www.instagram.com/olkypay_official/ And on LinkedIn: https://www.linkedin.com/company/olky-payment-service-provider-s-a/ *Certificate of capital deposit sent after receipt of funds and draft statutes.

About

Incard

This financial platform helps digital entrepreneurs manage all aspects of their business finances. It offers corporate cards, expense tracking, bill payments, and accounting automation, all accessible through a mobile app.

Highlights
  • Corporate cards
  • Expense management
  • Bill payments
  • Accounting automation
  • E-commerce integration
  • Multi-currency accounts
  • Receipt uploads
Features
Read full description

Incard is a financial platform designed for digital entrepreneurs to save time and money. With Incard, you get corporate cards, expense management, bill payments, accounting automation, e-commerce integration, insights, and reporting—all in one place. Incard mobile app puts finance automation at your fingertips. Access card details, upload receipts for easy expense reporting, manage spending, redeem your Incard points and more. App features: - Access your multi-currency business accounts, pay and get paid faster like a local - Easily view, manage, and create both physical and virtual cards - Earn Incard points on ad spend and other Incard categories. Redeem your points in cash and get up to 2% cashback - Track transactions, spending, and cash flow anytime, anywhere - Upload or send receipts in seconds through the app - Receive tailored notifications to stay on top of every expense - Dedicated customer support that understand your online business model Have you met Incard yet? Download the app and get started today. You can also enjoy advanced e-commerce integrations, analytics, and perks from our native web application, which can be accessed via any recent desktop browser.

Screenshots

Olkypay4 screens
Incard4 screens

Verdict

The call

The clearest difference is review sentiment: Incard at 82% against Olkypay's 29%. Incard also leads on rating (5.0 vs 4.0) and update cadence (weekly vs every 2 months). Olkypay's advantage is iOS requirement (12.0 vs 17). On price, ratings volume, ads and in-app purchases 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Incard holds the better App Store score, 5.0 against 4.0. Both are backed by a comparable volume of ratings — 2 and 5 respectively. Written reviews point the same way: 29% of Olkypay's written reviews are positive against 82% of Incard's.

UpkeepUpdate frequency

Olkypay ships an update every 2 months, Incard weekly. The most recent releases landed on October 6, 2026 and October 17, 2026 respectively.

Scorecard4 real differences · 6 level
Olkypay versus Incard: the parameters behind the verdict, then further details
ParameterOlkypayIncard
PriceFreeFree
Rating4.0 (2 ratings)5.0 (5 ratings) — better
Positive reviews28.6% of reviews81.8% of reviews — better
Number of ratings25 — better
Update frequencyEvery 2 monthsWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad
Requires iOS12.0 — better17
Further details — not scored
Size98 MB120 MB
Age rating4+17+
Developerolkyrent saincard Ltd.

Customer experience

Olkypay

All ratings2 ratings
Positive50.0%
Neutral50.0%
Negative0.0%
Written reviews14 reviews
Positive28.6%
Neutral0.0%
Negative71.4%

Incard

All ratings5 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews11 reviews
Positive81.8%
Neutral0.0%
Negative18.2%

In-app purchases

None

Olkypay

No in-app purchases

None

Incard

No in-app purchases

Questions

Is Olkypay free?
Olkypay is free to download, with no in-app purchases.
Is Incard free?
Incard is free to download, with no in-app purchases.
Which has better reviews, Olkypay or Incard?
Incard is rated higher. Olkypay averages 4.0 out of 5 from 2 ratings, while Incard averages 5.0 from 5 ratings.
Do Olkypay or Incard have ads?
Neither Olkypay nor Incard shows ads.
Which is updated more often, Olkypay or Incard?
Olkypay ships an update every 2 months, and Incard weekly. Most recently, Olkypay was updated on October 6, 2026 and Incard on October 17, 2026.

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