DBS PayLah! vs ccMonet
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
DBS PayLah!
This all-in-one mobile payment app simplifies everyday transactions. Pay for rides, food, tickets, and bills with ease. Discover exclusive deals and rewards, and manage your finances conveniently.
- Scan to pay with multiple QR codes
- Transfer funds via PayNow
- Split bills with friends
- Access eStatements
- Discover dining, shopping, and travel deals
- AutoDebit for seamless top-ups
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PayLah! for teens — redesigned. Navigate easily, find deals that fit. Unlock a world of convenience with DBS PayLah!, the all-in-one app designed to simplify your daily transactions and enhance your lifestyle. Whether it's making payments, transferring funds, or enjoying exclusive deals, PayLah! makes everything effortlessly accessible. Effortless Payments • Scan & Pay: Enjoy quick and secure payments at millions of merchants both locally and overseas. Pay at hawker centres, restaurants, shops, and online with NETS QR, PayNow QR, FavePay QR, and SGQR. When you travel, effortlessly pay with overseas QR codes such as DuitNow QR (Malaysia), PromptPay QR (Thailand), QRIS (Indonesia), and UnionPay QR (globally). • Send & Receive Money: Instantly transfer funds to friends and family with just a few taps. Effortlessly request funds from your friends, making shared expenses a breeze. • QR Gift/eGift: Surprise your loved ones with a QR Gift or send them an eGift! • Pay Bills: Pay a wide selection of bills all directly within the PayLah! app through AXS. Beyond Payments • Entertainment: Effortlessly purchase movie and event tickets via Golden Village and SISTIC. • Shop: Explore and get extra perks for your shopping via Shopee, CapitaStar and Lazada • Travel: Buy travel insurance conveniently on the go within PayLah! app through Chubb Insurance. Deals & Rewards • Exclusive Deals: Discover 1-for-1 and exclusive dining deals, and other promotions. Browse exclusive deals with ease by tapping on Dine, Shop or Travel icons to find your favorite merchant deals. • For DBS/POSB Credit Cardmembers: Quick access to your DBS Points and POSB Daily$! Gain instant access to offset purchases, indulge in retail therapy with shopping and dining vouchers from the DBS Rewards Catalogue, or experience the flexibility of the new Rewards Flexi eVoucher. Download and register for DBS PayLah! today. Other Information: • DBS PayLah! is a mobile payment and mobile wallet service offered by DBS Bank Ltd. SGD deposits are insured up to S$100k by the Singapore Deposit Insurance Corporation (SDIC). • PayNow is a funds transfer service by The Association of Banks in Singapore (ABS). • NETS is a national banking payment system designated by the Monetary Authority of Singapore (MAS). • AXS is a leading solution provider and operator of an Electronic Service Delivery Network (ESDN).
ccMonet
Effortlessly manage your business finances with AI-powered expense tracking, automated reconciliation, and real-time reporting. Get instant financial insights and streamline reimbursements without needing accounting expertise.
- AI expense recording via photo
- Automated transaction reconciliation
- Real-time financial reports
- AI assistant for financial queries
- Streamlined employee reimbursements
- Batch document import and sync
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With ccMonet AI Financial Agent, you can easily record expenses by snapping a photo, automate reconciliation, handle reimbursements, and generate real-time financial reports. It is designed specifically for SME owners, empowers you to stay on top of profits and cash flow—without needing any accounting background. Combining AI automation with professional accountant review, you can gain financial insights anytime, anywhere, right from your phone. ccMonet makes financial management simple, smart, and reliable. Key Features - Snap & Record, AI Auto-Categorization Capture invoices, receipts, and bank statements in multiple languages, currencies and even handwritten bills. Simply snap and upload, and AI will instantly record and categorize. - Smart Reconciliation, Error-Free AI automatically matches transactions and flags discrepancies. Every entry is reviewed by our expert team to ensure clarity and accuracy. - Expert Review & Support Each transaction is double-checked by experts. For complex issues, our expert team is always ready to provide reliable guidance. - Real-Time Reports, Instant Insights No more waiting until month-end. Instantly view business performance, cash flow, and key metrics to make faster, better business decisions. - Hi Monet, Your AI Assistant Ask Hi Monet anything—get instant, data-driven answers on your financial performance and operations. - Seamless Reimbursements, Fully Compliant Employees submit reimbursements by simply snapping and uploading. AI ensures compliance with company policies, streamlines approvals, and speeds up payments. - Batch Import & Sync Upload multiple documents at once for automated processing, or sync with other accounting platforms, keeping your financial data always up-to-date and complete. Who It’s For - Business Owners: Monitor profits and cash flow anytime—make confident decisions without waiting for reports. - Team Members: Submit expenses instantly with a photo. Faster approvals, faster payouts. - Finance Teams: Save time with AI classification and reconciliation, backed by expert review for full compliance and clear records. No accounting experience needed — just snap or upload AI automation + expert verification = 100% accuracy & compliance Real-time dashboard to track cash flow anytime, anywhere Save up to 90% of manual work Learn more / Get support at: https://www.ccmonet.ai Privacy: https://www.ccmonet.ai/cc-monet-privacy-policy Terms: https://www.ccmonet.ai/cc-monet-terms-of-service
Screenshots
Verdict
DBS PayLah! and ccMonet both sit at 4.9 stars, but that hides the real split: 100% of ccMonet's written reviews are positive against 35% of DBS PayLah!'s. ccMonet also leads on update cadence (every 2 weeks vs every 2 months) and monetization model (free vs free with in-app purchases). DBS PayLah!'s advantage is ratings volume (1.2K vs 3). On price, rating, 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.
On the App Store both sit at effectively the same score — 4.9 for DBS PayLah! against 5.0 for ccMonet. That said, the two scores are not equally well evidenced: DBS PayLah! has 1.2K ratings behind it against 3, so its average is the more settled of the two. Written reviews are what separate them: 35% of DBS PayLah!'s written reviews are positive against 100% of ccMonet's.
DBS PayLah! ships an update every 2 months, ccMonet every 2 weeks. Both last shipped on September 26, 2026.
| Parameter | DBS PayLah! | ccMonet |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (1.2K ratings) | 5.0 (3 ratings) — better |
| Positive reviews | 34.7% of reviews | 100.0% of reviews — better |
| Number of ratings | 1.2K — better | 3 |
| Update frequency | Every 2 months | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 157 MB | 83 MB |
| Age rating | 4+ | 4+ |
| Developer | DBS Bank Ltd. | 2ND BRAIN PTE. LTD. |
Customer experience
DBS PayLah!
ccMonet
Bugs and requests
DBS PayLah!
Reported bugs
5 issues- Registration failures
- Constant session timeouts
- Account balance not working consistently
- Notification badge issues
- Incompatibility with large contact lists
Requested features
4 requests- Allow closing account
- Improve search and contact integration
- Add standing instructions for recurring payments
- Provide option to set default payment in cents
ccMonet
Not enough reviews yet to summarise bugs or requests.
In-app purchases
DBS PayLah!
No in-app purchases
ccMonet
No in-app purchases








