Comparison

Keytom vs Zento

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

Head to head
About

Keytom

Manage both cryptocurrency and traditional currency from a single account. Open a personal EUR account, send and receive payments, exchange currencies, and use a virtual card for everyday spending.

Highlights
  • Unified crypto and fiat management
  • Personal EUR IBAN account
  • SEPA and SEPA Instant transfers
  • Currency exchange
  • Virtual and physical Visa card
  • Transaction tracking
Features
Read full description

One app for your crypto and fiat, wherever you are. Keytom is a financial technology platform that helps you manage fiat and supported crypto assets from one app. With Keytom, you can get a personal EUR account in your name to send and receive SEPA and SEPA Instant transfers using your IBAN and account details. You can also issue physical or virtual cards, hold supported crypto assets, instantly exchange between fiat and crypto, and track all your balances and transactions from the single app. Keytom is built for people who live, work, travel, earn, or send money across borders. Whether you are paid in crypto, managing funds in different currencies, sending EUR payments, or looking for a simple way to connect fiat and crypto in daily life, Keytom gives you a cleaner and more flexible way to manage money. Use a Keytom card for everyday spending. A virtual card is available for online and in-store payments where Visa® is accepted. A physical card can be ordered inside the app. Cards support contactless payments and ATM withdrawals everywhere Visa is accepted, with auto-conversion from any currency at the moment of payment. And you can manage your cards, balances, payments, and transaction history from one account. Keytom supports multiple fiat and crypto assets, including EUR, USDC, BTC, ETH, XRP, LTC, TON, SOL, ADA, AVAX, BNB, and BCH. Please note that availability of specific currencies, payment methods, account details, cards, and features may depend on your location, verification status, account type, and eligibility. Getting started is fully online. Create your account, complete identity verification, get your account details, and start managing your fiat and crypto from the Keytom app. Keytom uses identity verification, transaction monitoring, two-factor authentication, and infrastructure partners to support a safer financial experience. Fiat funds and crypto assets are managed through dedicated financial and custody infrastructure. Open your Keytom account and experience a cleaner, faster, easier way to manage crypto and fiat in one place.

About

Zento

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At Zento, we believe in smarter and more efficient payment solutions.  We are a 100% digital payment platform, built on the latest technology, designed to give you more time and control over your company’s finances.  Our platform makes it easier, more convenient, and cost-effective to manage your company’s financial transactions through innovative digital solutions.  Key Features: Quick and secure payment approvals Easy card management for your business Fast and convenient access with PIN or biometrics Real-time notifications and balance tracking for all your cards We are constantly striving to bring updates to the app to enhance your experience and this app is just the very beginning of that journey. Download the Zento app now and take control of your company’s finances.

Screenshots

Keytom4 screens
Zento4 screens

Verdict

The call

The clearest difference is ads: Zento at none against Keytom's shown. Keytom's advantage is device support (3 vs 1) and iOS requirement (15.1 vs 17.0). On price, update cadence 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.

UpkeepUpdate frequency

Keytom ships an update every 8 days, Zento every 10 days. The most recent releases landed on November 4, 2026 and October 30, 2026 respectively.

Scorecard3 real differences · 7 level
Keytom versus Zento: the parameters behind the verdict, then further details
ParameterKeytomZento
PriceFreeFree
Rating5.0 (1 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings1 — better—
Update frequencyEvery 8 days — betterEvery 10 days
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.1 — better17.0
Further details — not scored
Size56 MB107 MB
Age rating4+17+
DeveloperKEYTOM SERVICES LTD.Zentopayments AS

In-app purchases

None

Keytom

No in-app purchases

None

Zento

No in-app purchases

Questions

Is Keytom free?
Keytom is free to download, with no in-app purchases.
Is Zento free?
Zento is free to download, with no in-app purchases.
Do Keytom or Zento have ads?
Keytom shows ads; Zento does not.
Which is updated more often, Keytom or Zento?
Keytom ships an update every 8 days, and Zento every 10 days. Most recently, Keytom was updated on November 4, 2026 and Zento on October 30, 2026.

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