Comparison

Swish payments vs Vipps

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

Head to head
About

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.

Highlights
  • Send money to contacts
  • Pay companies and organizations
  • Split bills
  • Online and in-app payments
  • QR code payments
  • Direct bank transfers
Read full description

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.

About

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.

Highlights
  • 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
Features
Read full description

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

Swish payments4 screens
Vipps4 screens

Verdict

The call

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

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

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.

UpkeepUpdate frequency

Swish payments ships an update monthly, Vipps weekly. The most recent releases landed on September 22, 2026 and September 24, 2026 respectively.

Scorecard4 real differences · 6 level
Swish payments versus Vipps: the parameters behind the verdict, then further details
ParameterSwish paymentsVipps
PriceFreeFree
Rating4.2 (82 ratings)4.8 (2.4K ratings) — better
Positive reviews40.0% of reviews — better33.8% of reviews
Number of ratings822.4K — better
Update frequencyMonthlyWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhoneiPhone
Requires iOS16.016.0
Further details — not scored
Size69 MB190 MB
Age rating4+4+
DeveloperGetswish ABVipps MobilePay AS

Customer experience

Swish payments

All ratings82 ratings
Positive80.5%
Neutral2.4%
Negative17.1%
Written reviews15 reviews
Positive40.0%
Neutral0.0%
Negative60.0%

Vipps

All ratings2,403 ratings
Positive95.9%
Neutral1.6%
Negative2.5%
Written reviews74 reviews
Positive33.8%
Neutral1.4%
Negative64.9%

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

None

Swish payments

No in-app purchases

None

Vipps

No in-app purchases

Questions

Is Swish payments free?
Swish payments is free to download, with no in-app purchases.
Is Vipps free?
Vipps is free to download, with no in-app purchases.
Which has better reviews, Swish payments or Vipps?
Vipps is rated higher. Swish payments averages 4.2 out of 5 from 82 ratings, while Vipps averages 4.8 from 2.4K ratings.
Do Swish payments or Vipps have ads?
Neither Swish payments nor Vipps shows ads.
Which is updated more often, Swish payments or Vipps?
Swish payments ships an update monthly, and Vipps weekly. Most recently, Swish payments was updated on September 22, 2026 and Vipps on September 24, 2026.

Other comparisons