Comparison

ePay.bg vs DSK mToken

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

Head to head
About

ePay.bg

Easily pay bills, send money to friends and family, and request payments from others. Check your account balance and transaction history securely. Shop online and manage your finances on the go.

Highlights
  • Pay utility and mobile bills
  • Send money via email or phone
  • Request payments from others
  • Bank account transfers
  • Check transaction history
  • View card and microaccount balance
Features
Read full description

С мобилното приложение ePay.bg може да плащате и да получавате пари бързо и сигурно. ПРОВЕРКА И ПЛАЩАНЕ НА СМЕТКИ Лесен начин да проверявате и плащате сметки към повечето комунални компании, мобилни оператори и финансови институции в страната. БАНКОВИ ПРЕВОДИ Нареждате преводи по банкова сметка или в брой към предварително регистрирани получатели на тези плащания. ИЗПРАЩАНЕ НА ПАРИ Изпращате пари на Ваши близки като посочите email или GSM номер на получателя. Възможност да пазарувате в електронни магазини. ИЗПРАЩАНЕ НА ИСКАНЕ ЗА ПЛАЩАНЕ Удобен начин да поискате пари от Ваши приятели или контрагенти. Добавяте пояснителен текст към искането. Изпращате еmail или SMS на получателя с инструкция и код за плащане. Лесно следите постъпилите плащания. ИСТОРИЯ НА ПЛАЩАНИЯТА. НАЛИЧНОСТ ПО КАРТА. Проверявате по всяко време наличността по регистрирани в ePay.bg карти. Имате достъп до справка за последните транзакции и получени по Микросметката плащания.  ------------------ ePay.bg is a free mobile application allowing customers to pay and receive money quickly and safely. CHECK AND PAY BILLS ePay.bg is the trustworthy, simple and convenient way to pay your bills. Check and pay your utility bills by adding which bills you want to pay. Pay your bills instantly to most utility companies, mobile operators, insurance and financial companies in Bulgaria. BANK ACCOUNT TRANSFERS Make payments via bank transfers or cash transfers to pre-registered beneficiary. SEND MONEY Transfer money to your family and friends by using their email or mobile number. Make securely internet purchases of goods and services and personal payments. REQUEST AND RECEIVE MONEY Request money from anyone and keep track of payments received. Send invoices to your customers using their email or mobile number. The recipient gets an email or SMS with request details and instructions for payment -online with bank card or ePay microaccount, via ATM or in cash. TRANSACTION HISTORY AND BALANCE Check the balance of registered cards and microaccount anywhere and anytime. See your last 5 transactions including payment details; keep track of all received transfers to your microaccount.

About

DSK mToken

This app allows users to securely confirm banking transactions and service requests for online and mobile banking. It supports various requests like opening accounts, issuing cards, and activating online payment passwords. The application can be used offline and is available on multiple devices.

Highlights
  • Confirm banking transactions
  • Approve service requests
  • Supports online banking
  • Supports mobile banking
  • Offline functionality
  • Install on multiple devices
Features
Read full description

DSK mToken (мобилен тоукън) е мобилно приложение за потвърждаване на банкови трансакции и заявки в интернет банкирането ДСК Директ за индивидуални клиенти и в мобилното банкиране DSK Smart. DSK mToken може да се инсталира на едно или повече мобилни устройства и е напълно безплатна. Основни функции на приложението: - потвърждаване на преводи в мобилното банкиране DSK Smart и интернет банкирането ДСК Директ; - потвърждаване на заявки за различни услуги в ДСК Директ - откриване на сметки, издаване и преиздаване на банкови карти, подписване на съгласия за директен дебит, активиране на 3D парола за онлайн плащания при търговци и други. *Мобилното приложение DSK mToken може да бъде използвано за подписване и без интернет свързаност. DSK mToken (mobile token) is a mobile application for confirmation of banking transactions and requests ordered via the internet banking DSK Direct for private individuals and the mobile banking DSK Smart. DSK mToken can be installed on more than one mobile device and it is completely free. Basic features: Confirmation of money transfers ordered via the internet banking DSK Direct and the mobile banking DSK Smart; Confirmation of requests for different services in DSK Direct - accounts opening, issuing and reissuing of bank cards, direct debit, activation of 3D password for online payments with merchants and others. *DSK mToken mobile app can be used without cellular data or Wi-Fi connection (offline mode).

Screenshots

ePay.bg3 screens
DSK mToken4 screens

Verdict

The call

The clearest difference is rating: ePay.bg at 1.8 against DSK mToken's 1.0. ePay.bg also leads on update cadence (every 2 months vs every 19 months). DSK mToken's advantage is iOS requirement (13.0 vs 15.6). On price, review sentiment, ratings volume 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

ePay.bg holds the better App Store score, 1.8 against 1.0. Both are backed by a comparable volume of ratings — 12 and 7 respectively. Written reviews point the same way: 21% of ePay.bg's written reviews are positive against 13% of DSK mToken's.

UpkeepUpdate frequency

ePay.bg ships an update every 2 months, DSK mToken every 19 months. Both last shipped on October 24, 2026.

Scorecard3 real differences · 7 level
ePay.bg versus DSK mToken: the parameters behind the verdict, then further details
ParameterePay.bgDSK mToken
PriceFreeFree
Rating1.8 (12 ratings) — better1.0 (7 ratings)
Positive reviews21.1% of reviews — better13.5% of reviews
Number of ratings12 — better7
Update frequencyEvery 2 months — betterEvery 19 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.613.0 — better
Further details — not scored
Size8 MB21 MB
Age rating12+4+
DeveloperEPAY ADDSK Bank PLC

Customer experience

ePay.bg

All ratings12 ratings
Positive16.7%
Neutral8.3%
Negative75.0%
Written reviews71 reviews
Positive21.1%
Neutral8.5%
Negative70.4%

DSK mToken

All ratings5 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews52 reviews
Positive13.5%
Neutral0.0%
Negative86.5%

In-app purchases

None

ePay.bg

No in-app purchases

None

DSK mToken

No in-app purchases

Questions

Is ePay.bg free?
ePay.bg is free to download, with no in-app purchases.
Is DSK mToken free?
DSK mToken is free to download, with no in-app purchases.
Which has better reviews, ePay.bg or DSK mToken?
ePay.bg is rated higher. ePay.bg averages 1.8 out of 5 from 12 ratings, while DSK mToken averages 1.0 from 7 ratings.
Do ePay.bg or DSK mToken have ads?
Neither ePay.bg nor DSK mToken shows ads.
Which is updated more often, ePay.bg or DSK mToken?
ePay.bg ships an update every 2 months, and DSK mToken every 19 months. Most recently, ePay.bg was updated on October 24, 2026 and DSK mToken on October 24, 2026.

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