Updated October 13, 2026 · VaultCue Editorial Team
Satispay vs TrueMoney
Satispay
Higher score in this comparison
TrueMoney
Where Satispay and TrueMoney differ
| Compare | SatispayReviewSee alternativesSee alternatives | TrueMoneyReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | €0 | THB 0 |
| Transfer fee | Free to send and receive money to contacts and for SEPA transfers (0 EUR); instant availability top-up 1.00 EUR | No fee for transfers between TrueMoney accounts |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Currency conversion fee | 0.5% | Not confirmed |
| Local account details | IBAN | Not confirmed |
| Free ATM withdrawals | €200 | Not confirmed |
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Key differences
- Founded is lower at TrueMoney: 2003 vs 2014.
- Satispay is available in 24 more countries.
- Support channels: only Satispay offers Help centre.
- Support channels: only TrueMoney offers Chat.
- Pricing model: only Satispay offers Low FX.
Our verdict on each
Satispay
Satispay suits everyday spenders and travellers who want no monthly charge, cheap currency conversion and instant transfers between users. The monthly fee is €0, the conversion fee is 0.5%, and the trade off is the savings yield, which sits at 2.61% against a site median of 3%.
TrueMoney
TrueMoney offers everyday account use with an easy-access savings choice inside one app, rather than keeping daily money and saving intentions apart. People exploring simple structures for daily money will find a clear outline of what to check before deciding.
Score breakdown
| Area | Satispay | TrueMoney |
|---|---|---|
| Cost | 9.2Monthly fee of €0, currency conversion fee of 0.5% and free transfers to contacts sit well against the site median of 0.5%. | 9.3Higher |
| Offer | 9.3HigherSavings pay 2.61% at a variable rate with a €0 minimum, plus €200 of free ATM use. | 9.2 |
| Trust | 8.5 | 8.9Higher |
How they place
| Ranking | Satispay | TrueMoney |
|---|---|---|
| Savings accounts | 435 of 1420 | 1289 of 1420 |
| Money transfer services | 322 of 1564 | 1342 of 1564 |
Every fact side by side
| Fact | Satispay | TrueMoney |
|---|---|---|
| Audience | Travelers, Business | Not confirmed |
| Pricing model | No monthly fee, Low FXCovers more | No monthly fee |
| Features | Free ATM, Digital only | Not confirmed |
| Legal entity | Satispay Europe SA | True Money Company Limited |
| Headquarters | Luxembourg | Thailand |
| Founded | 2014 | 2003Lower |
| Support channels | Email, Phone, Help centre | Email, Phone, Chat |
Savings
| Fact | Satispay | TrueMoney |
|---|---|---|
| Headline rate | 2.61%Higher | 0.1% to 1% |
| Rate type | Variable | Variable |
| Minimum deposit | €0 | THB 0 |
| Access terms | Immediate availability, no lock-in, no withdrawal limits; savings moved instantly to Disponibilita | On-demand savings (ออมทรัพย์) account opened in the TrueMoney app and held at Kasikornbank, no minimum top-up, interest credited 30 June and 31 December each year |
| Account kind | Easy access | Easy access |
Money transfer
| Fact | Satispay | TrueMoney |
|---|---|---|
| Exchange rate markup | 0.5% to 1% | Not confirmed |
| Delivery time | Real time, instant between Satispay users | Not confirmed |
| Payout methods | Bank, Wallet, Card | Cash pickup |
| Fee to send 1,000 | €0 | Not confirmed |
Where each stands against the rest
| Fact | Satispay | TrueMoney | Median |
|---|---|---|---|
| Currency conversion fee | 0.5%at the median | Not confirmed | 0.5% |
| Free ATM withdrawals | €200above the median | Not confirmed | €1 |
Median across 377 listed accounts.
Pros and cons
Satispay
Pros
- A monthly fee of €0, and Satispay ranks 1 of 500 on cost
- Transfers between Satispay users are Real time, instant between Satispay users, and the transfer fee to contacts is €0
- Savings pay 2.61% at a variable rate from a €0 minimum, with immediate availability
Cons
- The savings yield of 2.61% trails the 3% site median
- Cash pickup is not among its payout methods (bank, wallet and card), which cover a bank, a wallet or a card
- The currency conversion margin runs 0.5% to 1%, above the 0.9% site median
TrueMoney
Pros
- Easy-access savings sits alongside everyday money in the TrueMoney app
- Account opening happens inside the TrueMoney app for daily use
- Everyday account design keeps saving intention visible during daily money use
Who each suits
Satispay
Who it suits
- Everyday spenders who want an account with no monthly charge and free transfers
- Travellers paying in several currencies who weigh the conversion fee before the rate
- People holding a savings balance they can draw on immediately, with no lock in
Who should look elsewhere
- Skrill or bunq if you want a different provider altogether, since their conversion fees of 3.99% and 3% mean switching does not cut your cost
- PayPal Colombia if you want a wallet for international shopping rather than an everyday euro account
TrueMoney
Who it suits
- People wanting everyday money and savings together
- Beginners seeking simple easy-access structures
Current offers
Satispay
Current offer
Bonus
Welcome Bonus 5 EUR with code WEB: 5 EUR
Sign up by downloading the app and use code WEB
Source, checked September 26, 2026
Country by country
| Country | Satispay | TrueMoney |
|---|---|---|
| Austria | Yes | No |
| Belgium | Yes | No |
| Bulgaria | Yes | No |
| Cambodia | No | Yes |
| Croatia | Yes | No |
| Cyprus | Yes | No |
| Czechia | Yes | No |
| Denmark | Yes | No |
8 of 36 countries where either is available.
Questions about each
Satispay
What does Satispay cost to keep?+
The monthly fee is €0, and no monthly charge is the model listed. Sending and receiving money to contacts and SEPA transfers costs €0. The one extra charge to know is the instant availability top up.
What does it cost to convert currency?+
Conversion costs 0.5%, and the applied margin runs 0.5% to 1%. That sits at the 0.5% site median, while the highest conversion fees on the site reach 7%. Travellers can weigh it against the bank rate.
TrueMoney
What does TrueMoney offer for everyday money?+
TrueMoney provides everyday account use with an easy-access savings choice for daily money goals. You keep awareness of spending and intention to save in one app view. Check how that structure matches the way you organise money each month.
Who is the easy-access option suited to?+
The easy-access choice suits people who prefer flexible saving alongside everyday money. It gives beginners a simple structure with clear purposes for short term needs. Review whether this combined approach supports habits you want to keep.
Other options to compare
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Satispay
TrueMoney