Comparison

;blackcat vs Mel Mobile Path

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

Head to head
About

;blackcat

Manage your finances with an all-in-one app offering a European IBAN, travel-ready payment cards, and integrated crypto wallets. Access all your funds instantly and enjoy flexible money management with customizable spending limits and a powerful rewards program.

Highlights
  • European IBAN
  • Travel-ready payment cards
  • Integrated crypto wallets
  • Customizable spending limits
  • Rewards program (4% loyalty, 2% Amazon cashback)
  • Fast money transfers (SEPA, crypto)
  • 24/7 human support
Features
Read full description

;blackcat is your companion for effortless everyday payments! Experience an all-in-one app with a European IBAN, travel-ready cards*, integrated crypto wallets, and an enhanced rewards program. Access all your funds with just one click! With ;blackcat, you can manage your money anytime, anywhere. Get started in minutes: download the blackcat.app, register with your personal details and documents, verify your ID with a selfie – and you’re ready to go! Instantly access your crypto, IBAN, and virtual payment card. Order a matching plastic card – it will be produced in just 24 hours and shipped to you, wherever you are in the world! And of course, you can also add your card to Apple Pay! Why choose ;blackcat? – Free plan**. Standard rate (accounts with 1 card) is € 0 / month — no hidden fees. – Flexible money management. All your funds are available in one mobile interface. Create an unlimited number of additional wallets – both for euros and crypto. Each wallet and card is fully customizable with individual spending limits. You can also issue as many payment cards as you want. – Powerful rewards. Choose a bonus program that fits you — 4% per annum reward as part of the loyalty program (not an interest-bearing product), 2% cashback on Amazon, or 0.5% cashback on all card purchases (excluding ATM withdrawals, transfers, and crypto purchases). – Fast and convenient money transfers. SEPA payments, crypto wallet transfers, and transfers between blackcat accounts. – Secure payments. Benefit from 3D Secure protection — every transaction is confirmed with in-app authentication. – Dedicated support, 24/7. Our expert team is always here for you via chat or email. We don’t force you to talk to robots – you can always chat with a real person! How to Open an Account Download the blackcat.app from App Store. Fill out your personal info and upload proof of address. Take a selfie + scan your ID and/or residence permit — that’s it! Black cat is your lucky sign! We take care of the security and protection of your data. Blackcat is collecting, using, and processing your personal data in accordance with European General Data Protection Regulations. We use advanced measures to keep information secure. Disclaimers: *Travel-ready cards are ;blackcat’s payment cards. Those cards are accepted at car rentals, hotels, and other services, both online and offline. **Standard service and transaction fees may apply according to the tariff schedule. ;blackcat is issued by Papaya, Ltd. Papaya Ltd. is an Electronic Money Institution authorised and regulated by the Malta Financial Services Authority. Client funds are safeguarded in accordance with applicable legislation. Funds held in e-money accounts are not covered by the Depositor Compensation Scheme. The bonus payment is a part of the loyalty program provided by Baltic Technology Solutions OU. Detailed terms and conditions can be found here: https://baltictechsolutions.com/ An integrated crypto exchange and custodial crypto wallets are provided by MANERIO Sp. z o.o. You can find more information at maner.io

About

Mel Mobile Path

This personal finance app guides users through a 14-day program to achieve financial goals like saving more, reducing debt, or increasing income. It provides daily educational content, practical tasks, and personalized feedback to make financial improvement consistent and motivating.

Highlights
  • 14-day financial coaching program
  • Step-by-step tasks
  • Daily educational content
  • Personalized financial goal setting
  • Progress visualization
  • Gamification elements
Features
Read full description

WealthPath is a personal financial coaching app that helps users achieve their financial goals through a 14-day program with step-by-step tasks. The app offers daily content, including educational materials, practical tasks, tests and surveys, personalized to the user's specific financial goals (increase savings, reduce debt or increase income). What makes WealthPath unique is its structured approach to financial literacy training with elements of gamification, visualization of progress and personalization of content, which makes the process of improving your financial health consistent, measurable and motivating.

Screenshots

;blackcat4 screens
Mel Mobile Path4 screens

Verdict

The call

The clearest difference is rating: ;blackcat at 4.6 against Mel Mobile Path's 3.0. ;blackcat also leads on ratings volume (21 vs 2). On price, review sentiment, update cadence and ads 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.

ReceptionRating · Positive reviews · Number of ratings

;blackcat holds the better App Store score, 4.6 against 3.0. That said, the two scores are not equally well evidenced: ;blackcat has 21 ratings behind it against 2, so its average is the more settled of the two. Written reviews split almost evenly too, at 100% and 100% positive.

UpkeepUpdate frequency

;blackcat ships an update fortnightly, Mel Mobile Path every 10 days. The most recent releases landed on October 16, 2026 and October 17, 2026 respectively.

Scorecard2 real differences · 8 level
;blackcat versus Mel Mobile Path: the parameters behind the verdict, then further details
Parameter;blackcatMel Mobile Path
PriceFreeFree
Rating4.6 (21 ratings) — better3.0 (2 ratings)
Positive reviews100.0% of reviews100.0% of reviews
Number of ratings21 — better2
Update frequencyFortnightlyEvery 10 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhoneiPhone, iPod — better
Requires iOS16.015 — better
Further details — not scored
Size72 MB3 MB
Age rating17+17+
DeveloperPapaya LtdCharles Flower

Customer experience

;blackcat

All ratings21 ratings
Positive90.5%
Neutral0.0%
Negative9.5%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Mel Mobile Path

All ratings2 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews17 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

;blackcat

No in-app purchases

None

Mel Mobile Path

No in-app purchases

Questions

Is ;blackcat free?
;blackcat is free to download, with no in-app purchases.
Is Mel Mobile Path free?
Mel Mobile Path is free to download, with no in-app purchases.
Which has better reviews, ;blackcat or Mel Mobile Path?
;blackcat is rated higher. ;blackcat averages 4.6 out of 5 from 21 ratings, while Mel Mobile Path averages 3.0 from 2 ratings.
Do ;blackcat or Mel Mobile Path have ads?
Neither ;blackcat nor Mel Mobile Path shows ads.
Which is updated more often, ;blackcat or Mel Mobile Path?
;blackcat ships an update fortnightly, and Mel Mobile Path every 10 days. Most recently, ;blackcat was updated on October 16, 2026 and Mel Mobile Path on October 17, 2026.

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