# bunq vs BOV 3D Secure

The clearest difference is rating: bunq at 4.4 against BOV 3D Secure's 1.0. bunq also leads on review sentiment (42% vs 0%) and update cadence (weekly vs every 28 months). BOV 3D Secure's advantage is monetization model (free vs freemium) and iOS requirement (12.0 vs 16.0). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

bunq holds the better App Store score, 4.4 against 1.0. That said, the two scores are not equally well evidenced: bunq has 1.4K ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 42% of bunq's written reviews are positive against 0% of BOV 3D Secure's.

bunq ships an update weekly, BOV 3D Secure every 28 months. The most recent releases landed on October 18, 2026 and October 7, 2026 respectively.

## The numbers

| Metric | bunq | BOV 3D Secure |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.4 (1.4K ratings)](https://appshunter.io/ios/app/bunq/id1021178150/reviews)** | [1.0 (1 ratings)](https://appshunter.io/ios/app/bov-3d-secure/id1556025166/reviews) |
| Number of ratings | **1.4K** | 1 |
| Positive reviews | **42.4% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Weekly** | Every 28 months |
| Monetization | Freemium | **Free** |
| Size | 468 MB | 51 MB |
| Requires iOS | 16.0 | **12.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [bunq](https://appshunter.io/developer/1021178149) | [Bank of Valletta p.l.c.](https://appshunter.io/developer/484470119) |

## What reviewers say

### bunq

[App page](https://appshunter.io/ios/app/bunq/id1021178150)

A mobile banking app designed for various life stages, offering easy account opening, wealth management, and budgeting tools. It provides features for everyday banking, business needs, and international lifestyles, with options for investing and cryptocurrency trading.

**Highlights:** Multiple bank accounts, Card management, Savings accounts and term deposits, Stock and ETF investing, Cryptocurrency trading, Contactless payment acceptance, Worldwide travel insurance

**Features:** macOS Compatibility, Siri integration, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Instant payments
- 💡 Innovative features
- 👍 Easy to use
- 🌍 Great for expats
- 🔒 Secure banking

**What reviewers complain about**

- 🐛 Buggy app
- 🕰️ Slow customer support
- 💰 Expensive fees
- 🤖 Unhelpful AI chatbot
- 🔒 Account freezing issues

**Reported bugs**

- App crashes on login
- Incorrect transaction recording
- Verification issues

**Requested features**

- Bring back previous app design
- Improve account management features
- Provide phone-based customer support


### BOV 3D Secure

[App page](https://appshunter.io/ios/app/bov-3d-secure/id1556025166)

Secure your online purchases with a Bank of Valletta debit or credit card. Enroll your card once and authenticate transactions via passcode or fingerprint. Handles situations with no internet reception by using QR codes.

**Highlights:** Online purchase authentication, Card enrollment, Passcode authentication, Biometric (fingerprint) authentication, QR code authentication for offline use, Push notifications for transactions

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is bunq free?

bunq is free to download, with no in-app purchases.

### Is BOV 3D Secure free?

BOV 3D Secure is free to download, with no in-app purchases.

### Which has better reviews, bunq or BOV 3D Secure?

bunq is rated higher. bunq averages 4.4 out of 5 from 1.4K ratings, while BOV 3D Secure averages 1.0 from 1 ratings.

### Do bunq or BOV 3D Secure have ads?

Neither bunq nor BOV 3D Secure shows ads.

### Which is updated more often, bunq or BOV 3D Secure?

bunq ships an update weekly, and BOV 3D Secure every 28 months. Most recently, bunq was updated on October 18, 2026 and BOV 3D Secure on October 7, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*