# S vs Moj DDV

The clearest difference is rating: S at 3.0 against Moj DDV's 2.1. Moj DDV's advantage is ratings volume (25 vs 3). On price, review sentiment, update cadence and ads there is nothing between them.

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

S holds the better App Store score, 3.0 against 2.1. That said, the two scores are not equally well evidenced: Moj DDV has 25 ratings behind it against 3, so its average is the more settled of the two. Written reviews split almost evenly too, at 0% and 0% positive.

S ships an update every 3 months, Moj DDV every 2 months. The most recent releases landed on September 9, 2026 and July 16, 2026 respectively.

## The numbers

| Metric | S | Moj DDV |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.0 (3 ratings)](https://appshunter.io/ios/app/s-banka/id1102369391/reviews)** | [2.1 (25 ratings)](https://appshunter.io/ios/app/moj-ddv/id1472553785/reviews) |
| Number of ratings | 3 | **25** |
| Positive reviews | 0.0% of reviews | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 2 months** |
| Monetization | Free | Free |
| Size | 77 MB | 25 MB |
| Requires iOS | **15.0** | 16.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [SPARKASSE BANK](https://appshunter.io/developer/1133105096) | [MINISTERSTVO ZA FINANSII UPRAVA ZA JAVNI PRIHODI SKOPJE](https://appshunter.io/developer/1472553784) |

## What reviewers say

### S

[App page](https://appshunter.io/ios/app/s-banka/id1102369391)

Access your Sparkasse Bank accounts and manage finances 24/7 from your smartphone or tablet. Perform transactions, view account balances, locate ATMs, and utilize currency exchange features with ease.

**Highlights:** Account balance overview, Transaction management, Bill payments, Currency exchange, ATM/Branch locator, Biometric login, Dark mode support

**Features:** Vision Pro support

**In-app purchases:** none


### Moj DDV

[App page](https://appshunter.io/ios/app/moj-ddv/id1472553785)

This app helps citizens of North Macedonia claim a VAT refund on eligible purchases. Scan fiscal receipts to get a percentage back on Macedonian goods and services, or a different percentage for others. Users must be 15+ and registered with the Public Revenue Office.

**Highlights:** Scan fiscal receipts for VAT refund, Supports 20% refund on Macedonian goods/services, Supports 10% refund on other goods/services, Two barcode scanner types (Basic & Advanced), Advanced scanner for DataMatrix and damaged codes, User profile for scanner type selection

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is S free?

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

### Is Moj DDV free?

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

### Which has better reviews, S or Moj DDV?

S is rated higher. S averages 3.0 out of 5 from 3 ratings, while Moj DDV averages 2.1 from 25 ratings.

### Do S or Moj DDV have ads?

Neither S nor Moj DDV shows ads.

### Which is updated more often, S or Moj DDV?

S ships an update every 3 months, and Moj DDV every 2 months. Most recently, S was updated on September 9, 2026 and Moj DDV on July 16, 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.*