# BOQ Secure vs Smarty Bucks

The clearest difference is review sentiment: Smarty Bucks at 100% against BOQ Secure's 10%. Smarty Bucks also leads on update cadence (every 6 days vs every 10 months). BOQ Secure's advantage is in-app purchases (none vs 2) and iOS requirement (15.0 vs 18.5). On price, ads, monetization model and device support there is nothing between them.

Both are free to download. Smarty Bucks sells 2 in-app purchases, starting at $1.99 per month. BOQ Secure asks for nothing beyond the download.

BOQ Secure ships an update every 10 months, Smarty Bucks every 6 days. The most recent releases landed on October 7, 2026 and October 8, 2026 respectively.

## The numbers

| Metric | BOQ Secure | Smarty Bucks |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 10.0% of reviews | **100.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 10 months | **Every 6 days** |
| Monetization | Free | Free |
| Size | 7 MB | 21 MB |
| Requires iOS | **15.0** | 18.5 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Bank of Queensland](https://appshunter.io/developer/345259059) | [GREGORY MARC PEEVER](https://appshunter.io/developer/6777804892) |

## What reviewers say

### BOQ Secure

[App page](https://appshunter.io/ios/app/boq-secure/id1046692071)

This app replaces a physical security token with a digital version on your smartphone. It requires online banking registration and a specific daily transaction limit to activate. Contact customer service for activation details and further information.

**Highlights:** Digital security token, Replaces physical device, Mobile-based authentication, Online banking integration, Customer service activation

**In-app purchases:** none


### Smarty Bucks

[App page](https://appshunter.io/ios/app/smarty-bucks/id6777804889)

This app helps families manage allowances, chores, and spending. Parents can set up recurring allowances, assign chores with optional payments, and approve spending requests. Kids can track their balances, complete chores, and save towards goals.

**Highlights:** Allowance management, Chore assignment and tracking, Spending request approval, Savings goal setting, Family dashboard, Transaction history, Data export

**Features:** macOS Compatibility, Family Sharing, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly | $1.99 | per month |
| Annual | $22.99 | per year |


## Frequently asked questions

### Is BOQ Secure free?

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

### Is Smarty Bucks free?

Smarty Bucks is free to download, with in-app purchases available.

### Do BOQ Secure or Smarty Bucks have ads?

Neither BOQ Secure nor Smarty Bucks shows ads.

### Which is updated more often, BOQ Secure or Smarty Bucks?

BOQ Secure ships an update every 10 months, and Smarty Bucks every 6 days. Most recently, BOQ Secure was updated on October 7, 2026 and Smarty Bucks on October 8, 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.*