Lyf Pay vs Swile
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Lyf Pay
This mobile payment and savings app will be phasing out its services. Users will no longer be able to access its features by June 1, 2026, as the company ceases operations.
- Mobile payment services
- Savings account functionality
- Phasing out services
- Company ceasing operations
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After more than 8 years of operation, our company will cease operations in the coming months. This decision affects the Lyf Pay app, whose services will be phased out by June 1, 2026.
Swile
This app consolidates all your employee benefits, including meal vouchers, gift cards, and personal funds, onto a single virtual card. Manage your balance, view transactions, and access your PIN code all within the application.
- Consolidated employee benefits
- Virtual card for mobile payments
- View balance and transactions
- Access PIN code
- Donate to charities
- Exclusive deals and offers
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Swile, the card and app for employees. We can't make it any simpler than that. Swile is: - The card that makes it ultra-easy to spend all your employee benefits: Meal vouchers, gift cards, mobility vouchers, holiday benefits, and even your personal money. Why spend time shuffling through different cards and vouchers when there's one card that can do it all? - The card that you can use almost anywhere: You heard us right - if you're out and about right now, look up and walk into the restaurant or store in front of you. And voilà, your Swile card will work in there! - The card that lets you spend down to the very last penny. You never need to hear "Sorry, we don't give change!" again! ». - The card you can use to pay for anything without worrying about the payment limit or remaining balance. Sure, we were all told at school that mental maths is great and all, but you don't need it with us. - Plus, it's a 100% virtual card. You can choose to have it on your phone or on your phone, and not in your wallet. So, no plastic, even if it used to be seen as fantastic. Swile is also: - The application that lets you view your balance, past transactions and PIN code. In short, anything that can be view, you can view it with Swile. - The app that makes it easier to donate to your charities of choice. - The app that boosts your purchasing power with good deals. The Swile app is all about off course, there are many new features to come that will totally blow your mind, sweep you off your feet, take your breath away, but we don't want to get carried away. If you want to let us know how much you love Swile, get in touch at: hello@swile.fr Why not give us a follow? Find us on: Linkedin - Twitter - Instagram - Facebook - but not on the streets! Have a good day with Swile.
Screenshots
Verdict
The clearest difference is review sentiment: Swile at 88% against Lyf Pay's 53%. Swile also leads on update cadence (weekly vs monthly) and rating (4.7 vs 4.5). Lyf Pay's advantage is monetization model (ad-supported vs free with in-app purchases) and iOS requirement (13.0 vs 16.0). On price, ratings volume, ads and in-app purchases 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.
Swile holds the better App Store score, 4.7 against 4.5. Both are backed by a comparable volume of ratings — 120 and 337 respectively. Written reviews point the same way: 53% of Lyf Pay's written reviews are positive against 88% of Swile's.
Lyf Pay ships an update monthly, Swile weekly. The most recent releases landed on September 24, 2026 and September 23, 2026 respectively.
| Parameter | Lyf Pay | Swile |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (120 ratings) | 4.7 (337 ratings) — better |
| Positive reviews | 53.3% of reviews | 88.5% of reviews — better |
| Number of ratings | 120 | 337 — better |
| Update frequency | Monthly | Weekly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Ad-supported — better | Free with in-app purchases |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 13.0 — better | 16.0 |
| Further details — not scored | ||
| Size | 120 MB | 218 MB |
| Age rating | 4+ | 4+ |
| Developer | Lyf | Swile |
Customer experience
Lyf Pay
Swile
In-app purchases
Lyf Pay
No in-app purchases
Swile
No in-app purchases








