# YowPay Mobile vs Keytom

The clearest difference is rating: Keytom at 5.0 against YowPay Mobile's 2.0. Keytom also leads on update cadence (every 8 days vs every 3 weeks). YowPay Mobile's advantage is ads (none vs shown) and monetization model (free vs ad-supported). On price, ratings volume, in-app purchases and device support there is nothing between them.

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

Keytom holds the better App Store score, 5.0 against 2.0. Both are backed by a comparable volume of ratings — 1 and 1 respectively.

YowPay Mobile ships an update every 3 weeks, Keytom every 8 days. The most recent releases landed on November 3, 2026 and November 8, 2026 respectively.

## The numbers

| Metric | YowPay Mobile | Keytom |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.0 (1 ratings)](https://appshunter.io/ios/app/yowpay-mobile/id6447246725/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/keytom-borderless-finance/id6479372970/reviews)** |
| Number of ratings | 1 | 1 |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 3 weeks | **Every 8 days** |
| Monetization | **Free** | Ad-supported |
| Size | 73 MB | 57 MB |
| Requires iOS | **12.0** | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Yowpay Luxembourg S.a.r.l.](https://appshunter.io/developer/1795739156) | [KEYTOM SERVICES LTD.](https://appshunter.io/developer/1711200265) |

## What reviewers say

### YowPay Mobile

[App page](https://appshunter.io/ios/app/yowpay-mobile/id6447246725)

This app simplifies peer-to-peer SEPA payments by turning your mobile device into a payment terminal. It generates QR codes for clients to scan with their banking apps, facilitating instant SEPA transfers directly to your business account without touching merchant funds.

**Highlights:** Peer-to-peer SEPA payments, Mobile payment terminal, QR code payment generation, Instant SEPA transfers, Direct business account funding, Open Banking integration

**Features:** macOS Compatibility

**In-app purchases:** none


### Keytom

[App page](https://appshunter.io/ios/app/keytom-borderless-finance/id6479372970)

Manage your fiat and supported crypto assets in one place. Get a personal EUR account for SEPA transfers, issue cards, and instantly exchange between currencies. Designed for global users managing funds across borders.

**Highlights:** Unified fiat and crypto management, Personal EUR account with IBAN, SEPA and SEPA Instant transfers, Physical and virtual card issuance, Instant fiat-to-crypto exchange, Transaction tracking and balance management

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is YowPay Mobile free?

YowPay Mobile is free to download, with no in-app purchases.

### Is Keytom free?

Keytom is free to download, with no in-app purchases.

### Which has better reviews, YowPay Mobile or Keytom?

Keytom is rated higher. YowPay Mobile averages 2.0 out of 5 from 1 ratings, while Keytom averages 5.0 from 1 ratings.

### Do YowPay Mobile or Keytom have ads?

Keytom shows ads; YowPay Mobile does not.

### Which is updated more often, YowPay Mobile or Keytom?

YowPay Mobile ships an update every 3 weeks, and Keytom every 8 days. Most recently, YowPay Mobile was updated on November 3, 2026 and Keytom on November 8, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*