# PHiggywallet vs e.PN

The clearest difference is update cadence: PHiggywallet at every 5 days against e.PN's every 10 days. PHiggywallet also leads on iOS requirement (12.0 vs 17). On price, ads, 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.

PHiggywallet ships an update every 5 days, e.PN every 10 days. Both last shipped on October 30, 2026.

## The numbers

| Metric | PHiggywallet | e.PN |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[4.6 (73 ratings)](https://appshunter.io/ios/app/epn-virtual-cards/id6504874959/reviews)** |
| Number of ratings | — | **73** |
| Positive reviews | — | 81.4% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 days** | Every 10 days |
| Monetization | — | Free |
| Size | 68 MB | 162 MB |
| Requires iOS | **12.0** | 17 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 17+ |
| Developer | [HTech Corporation](https://appshunter.io/developer/495062503) | [Digital Waves LTD](https://appshunter.io/developer/1844813064) |

## What reviewers say

### PHiggywallet

[App page](https://appshunter.io/ios/app/phiggywallet/id6475346558)

**Features:** macOS Compatibility

**In-app purchases:** none


### e.PN

[App page](https://appshunter.io/ios/app/epn-virtual-cards/id6504874959)

Effortlessly pay for goods and services with virtual cards from international banks. Issue multiple cards and transfer funds quickly between accounts with no restrictions or blocks.

**Highlights:** Virtual cards from international banks, Pay for goods and services, No restrictions or blocks, Issue multiple cards, Transfer funds between accounts

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly interface
- 🚀 Fast and simple card issuance
- 💰 Favorable tariffs and competitive rates
- 💬 Responsive and helpful support
- 💳 Multiple virtual cards for different purposes

**What reviewers complain about**

- ⚠️ Misleading information about minimum deposit
- 💸 High commissions and hidden fees
- ❓ Dynamic commission changes make calculation difficult
- 😞 Support team initially unhelpful
- 🚫 Potential for account blocking

**Reported bugs**

- Funds not credited after deposit
- App not working on phone
- Payment declines for subscriptions
- Support provides copy-paste replies
- Lost money on fees and top-up with unusable card

**Requested features**

- More details from original website, including FAQ section


## Frequently asked questions

### Is PHiggywallet free?

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

### Is e.PN free?

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

### Do PHiggywallet or e.PN have ads?

Neither PHiggywallet nor e.PN shows ads.

### Which is updated more often, PHiggywallet or e.PN?

PHiggywallet ships an update every 5 days, and e.PN every 10 days. Most recently, PHiggywallet was updated on October 30, 2026 and e.PN on October 30, 2026.

---

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