Comparison

Cardex vs DNI Pay

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

Head to head

Cardex

Multi-Currency Card Service

Your Finances Simplified

Free

💰 Finance

★ 4.86 ratingsView app →

About

Cardex

Features

Read full description

Pay in Naira directly from your multi-currency wallet with our virtual and physical cards. Suitable for global online payments and ATM withdrawals.

About

DNI Pay

A mobile platform designed to streamline digital financial transactions in Africa, starting with Nigeria. It offers bill payments, interbank transfers, and digital wallet functionalities.

Highlights

Bill payments
Interbank transfers
Digital wallet
Simplified financial transactions
African market focus

Read full description

DNI Pay is a mobile financial services platform built to simplify digital financial transactions for users in Africa, beginning with Nigeria. Our core services include bill payments, interbank transfers, and digital wallet features.

Screenshots

Cardex4 screens

DNI Pay4 screens

Verdict

The call

The clearest difference is ads: DNI Pay at none against Cardex's shown. Cardex's advantage is iOS requirement (13.4 vs 15.6). On price, update cadence, in-app purchases 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

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

Both ship on a similar rhythm, roughly every 2 weeks. The most recent releases landed on September 18, 2026 and September 7, 2026 respectively.

Scorecard2 real differences · 8 level

Cardex versus DNI Pay: the parameters behind the verdict, then further details
Parameter	Cardex	DNI Pay
Price	Free	Free
Rating	—	4.8 (6 ratings) — better
Positive reviews	—	100.0% of reviews
Number of ratings	—	6 — better
Update frequency	Every 2 weeks	Every 2 weeks
Ads	Yes	No — better
In-app purchases	No	No
Monetization	—	Free
Devices	iPhone, iPod	iPhone, iPod
Requires iOS	13.4 — better	15.6
Further details — not scored
Size	57 MB	28 MB
Age rating	17+	17+
Developer	FINTAVA TECHNOLOGY LIMITED	DNI PAY LIMITED

In-app purchases

None

Cardex

No in-app purchases

None

DNI Pay

No in-app purchases

Questions

Is Cardex free?

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

Is DNI Pay free?

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

Do Cardex or DNI Pay have ads?

Cardex shows ads; DNI Pay does not.

Which is updated more often, Cardex or DNI Pay?

Cardex ships an update every 2 weeks, and DNI Pay every 2 weeks. Most recently, Cardex was updated on September 18, 2026 and DNI Pay on September 7, 2026.