Comparison

DBS PayLah! vs ccMonet

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

Head to head
About

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.

Highlights
  • 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
Read full description

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).

About

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.

Highlights
  • 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
Features
Read full description

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

DBS PayLah!4 screens
ccMonet4 screens

Verdict

The call

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

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

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.

UpkeepUpdate frequency

DBS PayLah! ships an update every 2 months, ccMonet every 2 weeks. Both last shipped on September 26, 2026.

Scorecard4 real differences · 6 level
DBS PayLah! versus ccMonet: the parameters behind the verdict, then further details
ParameterDBS PayLah!ccMonet
PriceFreeFree
Rating4.9 (1.2K ratings)5.0 (3 ratings) — better
Positive reviews34.7% of reviews100.0% of reviews — better
Number of ratings1.2K — better3
Update frequencyEvery 2 monthsEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.0 — better15.1
Further details — not scored
Size157 MB83 MB
Age rating4+4+
DeveloperDBS Bank Ltd.2ND BRAIN PTE. LTD.

Customer experience

DBS PayLah!

All ratings1,219 ratings
Positive96.8%
Neutral0.6%
Negative2.6%
Written reviews72 reviews
Positive34.7%
Neutral5.6%
Negative59.7%

ccMonet

All ratings3 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

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

None

DBS PayLah!

No in-app purchases

None

ccMonet

No in-app purchases

Questions

Is DBS PayLah! free?
DBS PayLah! is free to download, with no in-app purchases.
Is ccMonet free?
ccMonet is free to download, with no in-app purchases.
Which has better reviews, DBS PayLah! or ccMonet?
ccMonet is rated higher. DBS PayLah! averages 4.9 out of 5 from 1.2K ratings, while ccMonet averages 5.0 from 3 ratings.
Do DBS PayLah! or ccMonet have ads?
Neither DBS PayLah! nor ccMonet shows ads.
Which is updated more often, DBS PayLah! or ccMonet?
DBS PayLah! ships an update every 2 months, and ccMonet every 2 weeks. Most recently, DBS PayLah! was updated on September 26, 2026 and ccMonet on September 26, 2026.

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