Comparison

TeamPay vs EFES Insurance

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

Head to head
About

TeamPay

Manage your money with a secure and convenient digital wallet. This app offers fast transactions, detailed payment history, and automated recurring payments. Enjoy exclusive benefits and rewards while keeping your finances safe with advanced security features.

Highlights
  • Seamless digital payments
  • Smart payment history tracking
  • Ironclad security with biometrics
  • Flexible group payments with autopay
  • One-tap automated recurring payments
  • Exclusive benefits and rewards
Features
Read full description

“TeamPay” CJSC is a next-generation fintech platform that combines secure digital payments with smart financial management tools, helping you build modern financial habits and make the most of innovative opportunities.
 With the TeamPay app, you can:
 • pay your utility bills, • make financial and government payments, • and take care of other everyday payments. You can also:
 • save your payments, • create groups, • and activate automatic payments to make sure your bills are paid on time, without any delays. 
 And that’s not all. Every month, you can choose up to 3 benefits in the TeamPay app and enjoy exclusive offers from Team Telecom Armenia, Team Energy, and Buy.am.
 If you want to make your everyday spending even easier, just order a TeamPay Visa digital card and enjoy a simple, convenient, and secure way to pay. 
TeamPay, your transactions in one place. Simple. Fast. Secure. 
Get to know us better at: https://teampay.am/en

About

EFES Insurance

Manage your insurance policies, submit claims, and access important documents conveniently from your mobile device. Receive real-time updates and easily contact customer support for all your insurance needs.

Highlights
  • Policy management
  • Claims submission and tracking
  • Document access
  • Real-time notifications
  • Customer support contact
Features
Read full description

Welcome to the official EFES Insurance Company app! Manage your insurance policies conveniently from your mobile device with our intuitive and user-friendly interface. Stay connected with your insurance coverage anytime, anywhere. Key Features: - Policy Management: View and manage your insurance policies on the go. - Claims Submission: Easily submit and track insurance claims directly from your phone. - Document Access: Access important insurance documents and certificates whenever you need them. - Notifications: Stay informed with real-time updates on policy changes, renewal reminders, and more. - Contact Support: Reach out to our customer support team for assistance with your insurance inquiries. Download the EFES Insurance app now to experience seamless insurance management tailored to your needs. Your peace of mind is just a tap away!

Screenshots

TeamPay4 screens
EFES Insurance4 screens

Verdict

The call

The clearest difference is rating: TeamPay at 4.3 against EFES Insurance's 4.0. TeamPay also leads on update cadence (every 10 days vs every 3 weeks). On price, ratings volume, 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

TeamPay holds the better App Store score, 4.3 against 4.0. Both are backed by a comparable volume of ratings — 6 and 4 respectively.

UpkeepUpdate frequency

TeamPay ships an update every 10 days, EFES Insurance every 3 weeks. The most recent releases landed on October 25, 2026 and October 24, 2026 respectively.

Scorecard2 real differences · 8 level
TeamPay versus EFES Insurance: the parameters behind the verdict, then further details
ParameterTeamPayEFES Insurance
PriceFreeFree
Rating4.3 (6 ratings) — better4.0 (4 ratings)
Positive reviews0.0% of reviews—
Number of ratings6 — better4
Update frequencyEvery 10 days — betterEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPod — betteriPhone
Requires iOS1616.0
Further details — not scored
Size141 MB179 MB
Age rating4+17+
DeveloperTELECOM ARMENIA, OJSCEFES ICJSC

Customer experience

TeamPay

All ratings6 ratings
Positive83.3%
Neutral0.0%
Negative16.7%
Written reviews2 reviews
Positive0.0%
Neutral50.0%
Negative50.0%

EFES Insurance

All ratings4 ratings
Positive75.0%
Neutral0.0%
Negative25.0%

In-app purchases

None

TeamPay

No in-app purchases

None

EFES Insurance

No in-app purchases

Questions

Is TeamPay free?
TeamPay is free to download, with no in-app purchases.
Is EFES Insurance free?
EFES Insurance is free to download, with no in-app purchases.
Which has better reviews, TeamPay or EFES Insurance?
TeamPay is rated higher. TeamPay averages 4.3 out of 5 from 6 ratings, while EFES Insurance averages 4.0 from 4 ratings.
Do TeamPay or EFES Insurance have ads?
Neither TeamPay nor EFES Insurance shows ads.
Which is updated more often, TeamPay or EFES Insurance?
TeamPay ships an update every 10 days, and EFES Insurance every 3 weeks. Most recently, TeamPay was updated on October 25, 2026 and EFES Insurance on October 24, 2026.

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