Comparison

mPay vs e

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

Head to head
About

mPay

Manage all your finances in one app. Pay for public transport, parking, and insurance. Send and receive money instantly, and access flexible loan options.

Highlights
  • Multicurrency debit card
  • Instant money transfers
  • Public transport and train tickets
  • Parking payments
  • Car and travel insurance
  • In-app loans
Features
Read full description

Pay easier than ever before with mPay! Join nearly 2 million users and manage all your finances in a single app. - Visa mPay multicurrency Debit Card: Pay in Poland and abroad. - Send & receive money with free instant money transfers to other users - Public transport and train tickets: Buy fast, plan your trips, and skip the queues. Get tickets from top carriers in Poland, including PKP Intercity. - Parking payments: Pay only for the time you park. Stop and resume parking anytime, anywhere. - Car and travel insurance: Access dozens of offers in seconds. - Need some extra cash? Get loans in the app—quick and hassle-free. Flexible loan options tailored to your needs: - Up to PLN 5,000* – first loan with RRSO 0%, repay in 61 days. - Up to PLN 9,6000 – RRSO 76.88%, repay in up to 12 months. - Up to PLN 25,000 – RRSO 53.92%, repay in up to 42 months. Download the app now and enjoy freedom in your everyday payments! The minimum and maximum loan period available to customers through mPay S.A. is 61 days. The minimum and maximum APR for the first loan is 0%, provided the loan is repaid within 61 days. The maximum APR for subsequent loans is 76.88%, provided the loan is repaid within 61 days. The loan provider is Soonly Finance sp. z o.o. Loan approval depends on the applicant’s creditworthiness assessment. Representative example for the first loan provided through mPay S.A.: Annual Percentage Rate (APR): 0% based on the following assumptions: total loan amount PLN 1,000; total amount to be repaid PLN 1,000; fixed annual interest rate: 0%; total loan cost: PLN 0; agreement duration: 61 days. Data as of March 5, 2026. Representative example for subsequent loans provided through mPay S.A.: Annual Percentage Rate (APR): 76.88% based on the following assumptions: total loan amount PLN 2,700; total amount to be repaid PLN 2,970; fixed annual interest rate: 0%; total loan cost: PLN 290 (fee: PLN 270, interest: PLN 0); agreement duration: 61 days. Data as of March 5, 2026. The personal data administrator is Soonly Finance sp. z o.o., headquartered at ul. Żwirki i Wigury 16c, 02-092 Warsaw, Poland. Tax ID (NIP): 525-253-13-20, REGON: 146101268. Registered at the District Court for the Capital City of Warsaw in Warsaw, 14th Commercial Division of the National Court Register, KRS 0000418977. Entry number in the Register of Credit Intermediaries and Loan Institutions maintained by the Polish Financial Supervision Authority: RIP000020. Share capital: PLN 40,019,100. All information regarding the principles of personal data processing, purposes of processing, legal grounds, categories of data recipients, data processing periods, whether providing data is mandatory or voluntary, the consequences of not providing data, automated decision-making, and your rights can be found in our Privacy Policy: https://www.soonly.pl/nasza-polityka-prywatnosci

About

e

Manage your property finances and communicate with your building management and neighbors. Access billing information, report issues, and stay updated on community announcements and documents.

Highlights
  • Property and community information
  • Billing and payment tracking
  • Media fee settlements
  • Communication with property manager
  • Issue reporting
  • Community bulletin board and forum
  • Access to documents and resolutions
Features
Read full description

Mobilna e-kartoteka to rozwinięcie używanego przez setki tysięcy mieszkańców internetowego portalu e-kartoteka firmy Mieszczanin, który teraz jest dostępny także w wersji mobilnej. Zanim pobierzesz aplikację mobilną, sprawdź czy Twoja wspólnota lub spółdzielnia mieszkaniowa korzysta z portalu internetowego e-kartoteka. Aplikacja jest intuicyjnym i wygodnym narzędziem pozwalającym na pełną kontrolę rozliczeń związanych z Twoimi lokalami oraz łatwą komunikację z zarządcą nieruchomości i pozostałymi mieszkańcami. Dzięki mobilnej e-kartotece zyskujesz dostęp do najważniejszych informacji z poziomu Twojego telefonu. W pełnej funkcjonalności aplikacja mobilna pozwala m.in. na dostęp do: • informacji o Twojej nieruchomości / spółdzielni / wspólnocie mieszkaniowej • rozrachunków • wykazu opłat miesięcznych • rozliczeń opłat za media • komunikacji z Twoim zarządcą za pomocą elektronicznych wiadomości • funkcji zgłaszania usterek przez mieszkańców • tablicy ogłoszeń • ogłoszeń mieszkańców • forum dyskusyjnego mieszkańców • sprawozdawczości • uchwał spółdzielni / wspólnoty mieszkaniowej • istotnych dla Twojej nieruchomości dokumentów • druków dokumentów • odczytów liczników • archiwum wiadomości SMS przesyłanych przez Twojego zarządcę • ankiet • zapowiedzi prac remontowych

Screenshots

mPay4 screens
e4 screens

Verdict

The call

The clearest difference is rating: mPay at 3.5 against e's 2.6. mPay also leads on update cadence (every 5 weeks vs every 22 months) and review sentiment (22% vs 11%). e's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, 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

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

mPay holds the better App Store score, 3.5 against 2.6. That said, the two scores are not equally well evidenced: mPay has 25 ratings behind it against 5, so its average is the more settled of the two. Written reviews point the same way: 22% of mPay's written reviews are positive against 11% of e's.

UpkeepUpdate frequency

mPay ships an update every 5 weeks, e every 22 months. The most recent releases landed on October 19, 2026 and October 13, 2026 respectively.

Scorecard7 real differences · 3 level
mPay versus e: the parameters behind the verdict, then further details
ParametermPaye
PriceFreeFree
Rating3.5 (25 ratings) — better2.6 (5 ratings)
Positive reviews21.6% of reviews — better11.3% of reviews
Number of ratings25 — better5
Update frequencyEvery 5 weeks — betterEvery 22 months
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.6 — better17.2
Further details — not scored
Size186 MB9 MB
Age rating4+4+
DevelopermPay S.A.MIESZCZANIN INFORMATYKA Sp. z o. o.

Customer experience

mPay

All ratings25 ratings
Positive64.0%
Neutral0.0%
Negative36.0%
Written reviews139 reviews
Positive21.6%
Neutral6.5%
Negative71.9%

e

All ratings5 ratings
Positive40.0%
Neutral0.0%
Negative60.0%
Written reviews53 reviews
Positive11.3%
Neutral11.3%
Negative77.4%

In-app purchases

None

mPay

No in-app purchases

None

e

No in-app purchases

Questions

Is mPay free?
mPay is free to download, with no in-app purchases.
Is e free?
e is free to download, with no in-app purchases.
Which has better reviews, mPay or e?
mPay is rated higher. mPay averages 3.5 out of 5 from 25 ratings, while e averages 2.6 from 5 ratings.
Do mPay or e have ads?
mPay shows ads; e does not.
Which is updated more often, mPay or e?
mPay ships an update every 5 weeks, and e every 22 months. Most recently, mPay was updated on October 19, 2026 and e on October 13, 2026.

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