# e.PN vs Virtual Cards

The clearest difference is rating: e.PN at 4.6 against Virtual Cards's 1.0. e.PN also leads on ratings volume (73 vs 1). Virtual Cards's advantage is iOS requirement (15.0 vs 17). On price, update cadence, ads and in-app purchases there is nothing between them.

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

e.PN holds the better App Store score, 4.6 against 1.0. That said, the two scores are not equally well evidenced: e.PN has 73 ratings behind it against 1, so its average is the more settled of the two.

e.PN ships an update every 9 days, Virtual Cards every 8 days. The most recent releases landed on October 24, 2026 and October 16, 2026 respectively.

## The numbers

| Metric | e.PN | Virtual Cards |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (73 ratings)](https://appshunter.io/ios/app/epn-virtual-cards/id6504874959/reviews)** | [1.0 (1 ratings)](https://appshunter.io/ios/app/virtual-cards/id6748954269/reviews) |
| Number of ratings | **73** | 1 |
| Positive reviews | 81.4% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 9 days | **Every 8 days** |
| Monetization | Free | Free |
| Size | 153 MB | 71 MB |
| Requires iOS | 17 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 17+ | 4+ |
| Developer | [Digital Waves LTD](https://appshunter.io/developer/1844813064) | [onlinecheckwriter](https://appshunter.io/developer/1473071594) |

## What reviewers say

### 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


### Virtual Cards

[App page](https://appshunter.io/ios/app/virtual-cards/id6748954269)

Manage business expenses with instant virtual cards and granular spending controls. Issue cards to employees and vendors with custom limits, track spending in real-time, and automate expense reporting with AI-powered features. Physical cards are also available for convenient payment options.

**Highlights:** Instant virtual card creation, Granular spending controls, AI-powered expense automation, Automated receipt capture, Real-time spending analytics, Enterprise-grade security

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

**In-app purchases:** none


## Frequently asked questions

### Is e.PN free?

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

### Is Virtual Cards free?

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

### Which has better reviews, e.PN or Virtual Cards?

e.PN is rated higher. e.PN averages 4.6 out of 5 from 73 ratings, while Virtual Cards averages 1.0 from 1 ratings.

### Do e.PN or Virtual Cards have ads?

Neither e.PN nor Virtual Cards shows ads.

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

e.PN ships an update every 9 days, and Virtual Cards every 8 days. Most recently, e.PN was updated on October 24, 2026 and Virtual Cards on October 16, 2026.

---

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