Swish payments vs Vipps
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Swish payments
Easily send money to friends, businesses, and charities using your mobile number. Pay for online purchases, split bills, or make donations. Funds are directly transferred to the recipient's bank account.
- Send money to contacts
- Pay companies and organizations
- Split bills
- Online and in-app payments
- QR code payments
- Direct bank transfers
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Swish allows you to send money to friends, companies and organizations using your mobile phone. It’s perfect for splitting a check at a restaurant, paying for a bargain at a flea market or for sending a gift to charity. You can also pay with Swish when shopping online or in mobile apps from companies offering Swish as a payment option. The money is sent directly into the recipient’s bank account. Scan QR codes to pay in stores. Some stores also offer self-scanning of products. It's easy to get started with Swish. Contact your bank to connect your mobile phone number to Swish, and then simply activate the app. Read more about Swish at www.swish.nu or contact your bank.
Vipps
Easily send and receive money across Norway, Sweden, Denmark, and Finland. This app simplifies payments online, in stores, and for recurring bills. It also offers features like digital gift wrapping and wish lists for convenient financial management.
- Send, receive, and request money between Nordic countries
- Schedule gifts with digital wrapping
- Pay online, in stores, and at flea markets
- Set up subscriptions and recurring payments
- Log into websites and apps
- Create wish lists and collect money
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Hi, I'm Vipps! A very, very easy app for sending money and paying in the Nordics. Sending money (vippsing) is safe and done in a flash – just like it should be. With Vipps, you can: • send, receive and request money between Norway, Sweden, Denmark and Finland • schedule gifts with digital wrapping • pay online, in stores and at flea markets • set up subscriptions and other recurring payments • log into websites and apps • create wish lists and collect money in a box • settle costs like dinners and weekend getaways • pay your bills (only in Norway) • tap to pay on card terminals (only in Norway) To use Vipps you need BankID, a Norwegian/Swedish phone number, a Norwegian/Swedish bank card and account, as well as an email address. Vipps is available in English, Norwegian (bokmål and nynorsk), Swedish, Danish and Finnish. Made in the Nordics, with love for making things very, very easy.
Screenshots
Verdict
The clearest difference is rating: Vipps at 4.8 against Swish payments's 4.2. Vipps also leads on update cadence (weekly vs monthly) and ratings volume (2.4K vs 82). Swish payments's advantage is monetization model (free vs free with in-app purchases). On price, review sentiment, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Vipps holds the better App Store score, 4.8 against 4.2. That said, the two scores are not equally well evidenced: Vipps has 2.4K ratings behind it against 82, so its average is the more settled of the two. Written reviews complicate that: 40% of Swish payments's written reviews are positive against 34% of Vipps's, so the app with the better star average is not the one people write more warmly about.
Swish payments ships an update monthly, Vipps weekly. The most recent releases landed on September 22, 2026 and September 24, 2026 respectively.
| Parameter | Swish payments | Vipps |
|---|---|---|
| Price | Free | Free |
| Rating | 4.2 (82 ratings) | 4.8 (2.4K ratings) — better |
| Positive reviews | 40.0% of reviews — better | 33.8% of reviews |
| Number of ratings | 82 | 2.4K — better |
| Update frequency | Monthly | Weekly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone | iPhone |
| Requires iOS | 16.0 | 16.0 |
| Further details — not scored | ||
| Size | 69 MB | 190 MB |
| Age rating | 4+ | 4+ |
| Developer | Getswish AB | Vipps MobilePay AS |
Customer experience
Swish payments
Vipps
Bugs and requests
Swish payments
Not enough reviews yet to summarise bugs or requests.
Vipps
Reported bugs
2 issues- App crashes after update
- Unable to send money due to privacy settings issue
Requested features
3 requests- Add support for Apple Watch
- Allow use with shared/joint bank accounts
- Expand to other countries
In-app purchases
Swish payments
No in-app purchases
Vipps
No in-app purchases









