SepagaBanking vs payabl.
Price, ratings, monetisation and update history for both apps, side by side ā with what reviewers say about each.
SepagaBanking
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Take full control of your finances anytime, anywhere with Sepaga Mobile Banking App. Designed for security, convenience and ease of use, our app offers a seamless banking experience on the go. Key Features View Account Balance & transaction history: Stay updated with real-time account insights Fast & Secure Payments: Make local and international payments effortlessly Instant money transfers: Transfer funds between accounts quickly and securely 24/7 access to your finances: Manage your accounts anytime, from anywhere. Card Loading: Easily load funds to your card for hassle-free transactions easily and securely. Whether you are making a payment, checking your balance, or managing your transactions, Sepaga Mobile Banking keeps you in control. Download the app today for a smarter, safer and more convenient banking experience!
payabl.
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Less admin. More business. payabl. brings together business accounts and virtual card management in one secure app, giving you the visibility and control to focus on growth, not admin. Ā See the full picture Real-time account balances and transaction history, all in one place. Switch between accounts instantly and request statements whenever you need them. Ā Track every transaction Upload receipts and documents directly to transfers. Add comments for context. Export everything for clean, effortless accounting. Ā Move money with ease Send funds instantly between your own accounts or externally to any beneficiary. Set up recipients once, choose who pays the charges, and track every transfer from start to finish. Ā Exchange currencies in seconds Convert between currencies at competitive rates with clear fees upfront. See exactly what you'll get before you confirm, and keep your international business moving. Ā Stay ahead of approvals Track multi-signatory flows in real time, see who's approved, who's pending, and what's outstanding. No more chasing sign-offs. Ā Approve with confidence Review, authorise, or reject transfers from anywhere. Check the full details, approve with biometric security, and keep payments moving without delay. Ā Cards under your control View limits, freeze cards with one tap, and add to Apple Pay for secure contactless payments. Ā Built-in security Bank-grade encryption, biometric authentication, instant fraud alerts, and immediate card termination when you need it. Payabl. CY Limited, with registered address at Agiou Athanasiou 4, Agios Athanasios, Limassol, 4104, Cyprus, is authorised and regulated by the Central Bank of Cyprus (CBC) and holds an Electronic Money Institution (EMI) licence. Payabl. CY Limited operates under its Payment Institution (PI) licence (Licence Number: 115.1.2.9/2018) until the full activation of the EMI licence. Company Registration Number: HE289380. Payabl. (UK) Limited, with registered address at Napier House, 24 High Holborn, London, WC1V 6AZ, United Kingdom, is authorised and regulated by the Financial Conduct Authority (FCA) and operates under an Electronic Money Institution (EMI) licence (Licence Number: 967259). Company Registration Number: 13639825.
Screenshots
Verdict
The clearest difference is iOS requirement: SepagaBanking at 14.0 against payabl.'s 17.0. On price, update cadence, ads and in-app purchases there is nothing between them.
Scored on Price Ā· Rating Ā· Positive reviews Ā· Number of ratings Ā· Update frequency Ā· Ads Ā· In-app purchases Ā· Monetization Ā· Best chart rank Ā· Devices Ā· Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
SepagaBanking ships an update every 3 weeks, payabl. fortnightly. The most recent releases landed on September 20, 2026 and September 12, 2026 respectively.
| Parameter | SepagaBanking | payabl. |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 3 weeks | Fortnightly ā better |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone, iPad, iPod ā better | iPhone, iPad |
| Requires iOS | 14.0 ā better | 17.0 |
| Further details ā not scored | ||
| Size | 41 MB | 43 MB |
| Age rating | 17+ | 17+ |
| Developer | Cellock Ltd | PAYABL. CY LIMITED |
In-app purchases
SepagaBanking
No in-app purchases
payabl.
No in-app purchases









