Both are widely used. Safety depends on regulation, controls, and how you use the app. Look for deposit insurance for bank products, strong in‑app controls, and clear anti‑scam guidance.

Features like biometric login, device restrictions, spending limits, and card lock/unlock reduce risk—especially if you link cards or use the wallet frequently.

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Whichever app you use, the most common losses come from phishing and OTP sharing. Build a routine: verify links, check transactions, and keep only what you need in the spendable wallet balance.

Bottom line

Both are widely used. Safety depends on regulation, controls, and how you use the app. Look for deposit insurance for bank products, strong in‑app controls, and clear anti‑scam guidance.