Comparison

Em@ney 3D Secure vs AFO Card

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

Head to head
About

Em@ney 3D Secure

Features
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Easily and securely authenticate Online Purchases of your Em@ney debit Card. The Em@ney 3D Secure APP is free to download and makes it easier and safer to authorize your Mastercard Debit card online purchases. The App is easy to use: Download the Em@ney Authenticator APP Associate your card with the APP Enroll your Em@ney Mastercard Debit following the onscreen guide. After successfull enrollment you can start making purchases online. How to use your Em@ney authenticator APP: Everytime you make an online purchase you will be prompted to access the Em@ney 3D Secure APP to authenticate the transaction biometrically with your fingerprint or Face ID. You will also receive a push notification on your smart device at the same time. Validate the transaction using your fingeprint reader or your Face ID Other functionalities: Visualize your current purchases pressing the shopping cart button or the Card image. Visualize the CARD/S associated with the Em@ney authenticator APP by pressing the Card icon. Security and Safety Tips: Make sure your have reliable data connection on your device for a successful transaction validation. Be aware of fraudsters. Em@ney will never contact you in regard of the use of the Em@ney 3D Secure authenticator APP. Any suspicious transactions, Emails, calls or text messages appearing to be of Em@ney PLC must be reported immediately to us by sending a messages via accessing the Em@ney home banking portal at https://banking.emworld.eu/ Your security is our priority. Mobile data transmissions and account information are protected by 256-bit SSL encryption.

About

AFO Card

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Banking made easy AFO cards and accounts are for everyone, individuals and businesses. Issued from the EU, accepted everywhere. IBAN account for your business in 24 hours. Get an international payment card for worldwide use. Your money is safe with us, 100% secured by the central bank. With us, you or your business can: โ€“ Get and unique IBAN account โ€“ Transfer and receive funds locally and globally โ€“ Hold and manage funds โ€“ Pay bills For more info, please visit https://afocard.com/

Screenshots

Em@ney 3D Secure4 screens
AFO Card3 screens

Verdict

The call

The clearest difference is ads: Em@ney 3D Secure at none against AFO Card's shown. AFO Card's advantage is update cadence (every 2 months vs every 9 months). On price, in-app purchases, device support and iOS requirement 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

Em@ney 3D Secure ships an update every 9 months, AFO Card every 2 months. Both last shipped on October 25, 2026.

Scorecard2 real differences ยท 4 level
Em@ney 3D Secure versus AFO Card: the parameters behind the verdict, then further details
ParameterEm@ney 3D SecureAFO Card
PriceFreeFree
Update frequencyEvery 9 monthsEvery 2 months โ€” better
AdsNo โ€” betterYes
In-app purchasesNoNo
DevicesiPhone, iPad, iPod โ€” betteriPhone, iPod
Requires iOS11.011.0
Further details โ€” not scored
Size30 MB62 MB
Age rating4+4+
DeveloperRomcard S.A.AFO Card Ltd

In-app purchases

None

Em@ney 3D Secure

No in-app purchases

None

AFO Card

No in-app purchases

Questions

Is Em@ney 3D Secure free?
Em@ney 3D Secure is free to download, with no in-app purchases.
Is AFO Card free?
AFO Card is free to download, with no in-app purchases.
Do Em@ney 3D Secure or AFO Card have ads?
AFO Card shows ads; Em@ney 3D Secure does not.
Which is updated more often, Em@ney 3D Secure or AFO Card?
Em@ney 3D Secure ships an update every 9 months, and AFO Card every 2 months. Most recently, Em@ney 3D Secure was updated on October 25, 2026 and AFO Card on October 25, 2026.

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