Keytom vs Finaps
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Unified crypto and fiat management
- Personal EUR IBAN account
- SEPA and SEPA Instant transfers
- Currency exchange
- Virtual and physical Visa card
- Transaction tracking
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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.
Finaps
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Finaps - Your Money, Your Future, One App. Finaps is the AI-powered personal finance app that does the tedious work for you. Snap a receipt, speak an expense, or sync your bank. Finaps categorizes everything automatically, so you always know where your money goes without the spreadsheet grind. Built for real life across iPhone, web, and beyond, Finaps turns scattered transactions into a clear, calm financial picture. TRACK SPENDING EFFORTLESSLY • Scan receipts with your camera. Amount, merchant, and category detected instantly • Add expenses by voice in seconds, in your own language • Connect your bank for automatic, secure transaction import • AI categorization that learns how you spend BUDGET WITHOUT THE STRESS • Set flexible budgets that match how you actually live • Real-time alerts before you overspend • Roll over unused amounts to the next month • See spending trends at a glance with beautiful charts PLAN FOR WHAT MATTERS • Create savings goals and watch your progress grow • Track recurring income and bills so nothing surprises you • Smart forecasts project your cash flow weeks ahead SEE YOUR FULL NET WORTH • Track accounts, assets, and investments in one place • Multi-currency support for a truly global view • Watch your wealth grow over time STAY MOTIVATED • Earn levels and achievements as you build better habits • Monthly recap shows how your month went and lets you claim a reward • Make managing money feel rewarding, not exhausting SHARE WITH YOUR PARTNER • Family Sharing is included with Pro at no extra cost. Invite your partner for free • Pick what to share: accounts, budgets, goals. The rest stays private • Mine, Theirs, Ours filter on every screen for a clear shared picture PRIVATE & SECURE • Face ID / Touch ID and passcode lock • Bank-level encryption. Your data is yours • Works offline and syncs automatically when you are back online SPEAKS YOUR LANGUAGE Available in English, Azerbaijani, Russian, Turkish, German, French, and Spanish. FINAPS PRO Start with a free 14-day Pro trial and unlock unlimited AI categorization, bank sync, advanced reports, forecasting, and more. Continue free with core features, or upgrade anytime. Download Finaps today and take control of your money the smart way. Finaps Pro is available as a monthly or yearly auto-renewable subscription, or a one-time lifetime purchase. Payment is charged to your Apple ID at confirmation. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period. Manage or cancel anytime in your App Store account settings. Privacy Policy: https://finaps.co/privacy Terms of Use: https://finaps.co/terms
Screenshots
Verdict
The clearest difference is in-app purchases: Keytom at none against Finaps's 3. Keytom also leads on iOS requirement (15.1 vs 17.0). On price, update cadence, ads and device support 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
Both are free to download. Finaps sells 3 in-app purchases, starting at $9.99 per month. Keytom asks for nothing beyond the download.
Keytom ships an update every 3 weeks, Finaps every 11 days. Both last shipped on October 7, 2026.
| Parameter | Keytom | Finaps |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) — better | — |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 1 — better | — |
| Update frequency | Every 3 weeks | Every 11 days — better |
| Ads | Yes | Yes |
| In-app purchases | No — better | Yes |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 15.1 — better | 17.0 |
| Further details — not scored | ||
| Size | 56 MB | 89 MB |
| Age rating | 4+ | 4+ |
| Developer | KEYTOM SERVICES LTD. | Ilkin Guluzade |
In-app purchases
Keytom
No in-app purchases
Finaps
- Finaps Pro Monthly$9.991 Month
- Finaps Pro Yearly14 Days trial$59.991 Year
- Finaps Pro Lifetime$199.99









