ePay.bg vs DSK Mobile
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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.
DSK Mobile
Manage your finances digitally with this app. Track accounts, pay bills, transfer money, and even apply for loans quickly and easily. Control your cards, set spending limits, and enjoy a seamless banking experience from anywhere.
- Digital onboarding
- Account and transaction tracking
- Card management and activation
- Instant card blocking
- Biometric payment verification
- P2P and IBAN transfers
- Bill payment and tracking
- Personal loan applications
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DSK Mobile Банкирай тук и сега. Управлението на финанси вече е лесно, бързо и изцяло дигитално. Забрави опашките и безкрайното попълване на документи – всичко, от което имаш нужда, е тук. Разполагай с парите си навсякъде и по всяко време с DSK Mobile. Стани клиент за 5 минути онлайн, без да посещаваш офис. Имаш пълен контрол: - Следи всички сметки и трансакции на едно място - Заделяй с лекота с касички Твоите карти, твоите правила: - Одобрявай онлайн плащания с един клик - Виж детайли на картата и копирай номера за секунди - Добави карта към дигитален портфейл, и я използвай още преди да пристигне - Активирай нова или преиздадена карта в приложението - Блокирай веднага, ако картата е загубена или открадната - Настрой своите 24-часови лимити за по-добър контрол Плащай, както ти харесва: - Потвърждение на преводи с биометрия или PIN - Blink P2P преводи: за секунди само по мобилен номер - IBAN преводи: бързо, лесно и сигурно - Валутни преводи: за да не пропускаш възможности Винаги ти излизат сметките: - Следи и плащай битови си сметки с един клик - Плащай онлайн и твоите данъци - Въведи клиентски номер, за да добавиш сметка - Твоите месечни задължения, както и местните ти данъци и такси ще излизат в приложението Когато имаш нужда, решението е бързо: - Заяви потребителски кредит с одобрение до 5 минути - Виж максималната сума, избери колко и как да използваш - Опростен процес, дигитален подпис, без физически документи - Парите пристигат директно по сметката ти Мобилното банкиране, което заслужаваш. И план за ежедневно банкиране, който може да заявиш или надградиш директно в приложението. DSK Mobile Bank here and now We’ve made managing your finances simple, quick, and totally digital. No more waiting in lines or filling out endless paperwork – everything you need is right here. Take control of your money, anywhere, anytime with DSK Mobile. Become a client without visiting an office – just follow the 5-minute digital onboarding process! Keep track where your money goes - See all your accounts and transactions in one place - Enjoy pockets - a free savings feature that works for you Tap, set, go – your cards, your rules - Approve online payments with a single tap - View your card details and copy the number in seconds - Add a card to your digital wallet, even before it arrives - Activate your new or replacement card in the app - Instantly block your card, if it’s lost or stolen - Set your daily spending limits for better control Pay your way, instantly - Easier transfer verification with biometrics or PIN - Blink P2P: send money in seconds, only mobile number required - IBAN transfers: fast, secure, and simple - Currency transfers: because flexibility matters Simplify Your Bills, all-in-one - Add all your utility bills using your customer number - Track and pay everything in the app with a single tap - Make budget payments as well as local taxes quickly and easily Get the cash you need, fast - Apply for a personal loan with approval in 5 minutes - See the maximum amount and decide how to use it - Seamless experience, digital signature and no paperwork - Funds transfer directly to your account Mobile banking, the way it should be. And a daily banking plan which you can request or upgrade directly within the app.
Screenshots
Verdict
The clearest difference is rating: DSK Mobile at 4.7 against ePay.bg's 1.8. DSK Mobile also leads on ratings volume (655 vs 12) and update cadence (every 3 weeks vs every 2 months). ePay.bg's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, review sentiment, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
DSK Mobile holds the better App Store score, 4.7 against 1.8. That said, the two scores are not equally well evidenced: DSK Mobile has 655 ratings behind it against 12, so its average is the more settled of the two. Written reviews point the same way: 21% of ePay.bg's written reviews are positive against 26% of DSK Mobile's.
ePay.bg ships an update every 2 months, DSK Mobile every 3 weeks. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.
| Parameter | ePay.bg | DSK Mobile |
|---|---|---|
| Price | Free | Free |
| Rating | 1.8 (12 ratings) | 4.7 (655 ratings) — better |
| Positive reviews | 21.1% of reviews | 26.4% of reviews — better |
| Number of ratings | 12 | 655 — better |
| Update frequency | Every 2 months | Every 3 weeks — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.6 | 15.0 — better |
| Further details — not scored | ||
| Size | 8 MB | 341 MB |
| Age rating | 12+ | 4+ |
| Developer | EPAY AD | DSK Bank PLC |
Customer experience
ePay.bg
DSK Mobile
Bugs and requests
ePay.bg
Not enough reviews yet to summarise bugs or requests.
DSK Mobile
Reported bugs
16 issues- Password creation screen freezes during registration
- SMS verification codes not received or arrive too late
- Registration fails with generic error messages
- App crashes after successful login
- Face recognition only works once then requires full re-authentication
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- Server connection errors, especially outside Bulgaria
- Does not work with mobile data connection
- Frequent logout requiring re-verification
- EGN validation errors for valid users
- iOS app freezes at password selection stage
- Documents loading fails during sign-up
- Invalid SMS codes with short lifecycle
- App crashes when accessing certain functions
- Notifications not working despite being enabled
- Cash back points disappearing after updates
- Account access unavailable during specific hours (22:00-06:00)
Requested features
17 requests- Payment templates for recurring transfers
- Transaction filtering by date, type, and period
- Home screen widget for quick balance view
- Ability to view multiple accounts simultaneously
- Transaction history with authorization date option
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- Merchant information and category details
- Balance display at time of each transaction
- Multi-device login capability
- Customizable home screen
- Support for foreign ID numbers (ЛНЧ)
- Saved contacts and templates from old app
- Quick access to bills payment tab
- VPN compatibility for login
- Privacy feature to hide numbers in public
- Extended transfer reason details visibility
- Automatic FaceID loading on login screen
- Better home screen optimization for account visibility
In-app purchases
ePay.bg
No in-app purchases
DSK Mobile
No in-app purchases







