Comparison

Lyf Pay vs Swile

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

Head to head
About

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.

Highlights
  • Mobile payment services
  • Savings account functionality
  • Phasing out services
  • Company ceasing operations
Read full description

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.

About

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.

Highlights
  • Consolidated employee benefits
  • Virtual card for mobile payments
  • View balance and transactions
  • Access PIN code
  • Donate to charities
  • Exclusive deals and offers
Features
Read full description

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

Lyf Pay4 screens
Swile4 screens

Verdict

The call

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

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

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.

UpkeepUpdate frequency

Lyf Pay ships an update monthly, Swile weekly. The most recent releases landed on September 24, 2026 and September 23, 2026 respectively.

Scorecard5 real differences · 5 level
Lyf Pay versus Swile: the parameters behind the verdict, then further details
ParameterLyf PaySwile
PriceFreeFree
Rating4.5 (120 ratings)4.7 (337 ratings) — better
Positive reviews53.3% of reviews88.5% of reviews — better
Number of ratings120337 — better
Update frequencyMonthlyWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationAd-supported — betterFree with in-app purchases
DevicesiPhone, iPod — betteriPhone
Requires iOS13.0 — better16.0
Further details — not scored
Size120 MB218 MB
Age rating4+4+
DeveloperLyfSwile

Customer experience

Lyf Pay

All ratings120 ratings
Positive85.8%
Neutral3.3%
Negative10.8%
Written reviews75 reviews
Positive53.3%
Neutral12.0%
Negative34.7%

Swile

All ratings337 ratings
Positive91.7%
Neutral4.2%
Negative4.2%
Written reviews26 reviews
Positive88.5%
Neutral3.8%
Negative7.7%

In-app purchases

None

Lyf Pay

No in-app purchases

None

Swile

No in-app purchases

Questions

Is Lyf Pay free?
Lyf Pay is free to download, with no in-app purchases.
Is Swile free?
Swile is free to download, with no in-app purchases.
Which has better reviews, Lyf Pay or Swile?
Swile is rated higher. Lyf Pay averages 4.5 out of 5 from 120 ratings, while Swile averages 4.7 from 337 ratings.
Do Lyf Pay or Swile have ads?
Neither Lyf Pay nor Swile shows ads.
Which is updated more often, Lyf Pay or Swile?
Lyf Pay ships an update monthly, and Swile weekly. Most recently, Lyf Pay was updated on September 24, 2026 and Swile on September 23, 2026.

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