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.
Em@ney 3D Secure
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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.
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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Em@ney 3D Secure ships an update every 9 months, AFO Card every 2 months. Both last shipped on October 25, 2026.
| Parameter | Em@ney 3D Secure | AFO Card |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 9 months | Every 2 months โ better |
| Ads | No โ better | Yes |
| In-app purchases | No | No |
| Devices | iPhone, iPad, iPod โ better | iPhone, iPod |
| Requires iOS | 11.0 | 11.0 |
| Further details โ not scored | ||
| Size | 30 MB | 62 MB |
| Age rating | 4+ | 4+ |
| Developer | Romcard S.A. | AFO Card Ltd |
In-app purchases
Em@ney 3D Secure
No in-app purchases
AFO Card
No in-app purchases









