# Monese vs B4B Payments

The clearest difference is ads: B4B Payments at none against Monese's shown. B4B Payments also leads on monetization model (free vs free with in-app purchases). Monese's advantage is ratings volume (2.4K vs 220). On price, rating, review sentiment and update cadence there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.7 for Monese against 4.6 for B4B Payments. That said, the two scores are not equally well evidenced: Monese has 2.4K ratings behind it against 220, so its average is the more settled of the two. Written reviews are what separate them: 19% of Monese's written reviews are positive against 17% of B4B Payments's.

Monese ships an update every 3 weeks, B4B Payments fortnightly. The most recent releases landed on November 6, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | Monese | B4B Payments |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (2.4K ratings)](https://appshunter.io/ios/app/monese-a-banking-alternative/id1102793407/reviews)** | [4.6 (220 ratings)](https://appshunter.io/ios/app/b4b-payments/id1503309481/reviews) |
| Number of ratings | **2.4K** | 220 |
| Positive reviews | **18.8% of reviews** | 17.2% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 3 weeks | **Fortnightly** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 205 MB | 91 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Monese LTD](https://appshunter.io/developer/1102793406) | [B4B Payments LTD](https://appshunter.io/developer/1503309480) |

## What reviewers say

### Monese

[App page](https://appshunter.io/ios/app/monese-a-banking-alternative/id1102793407)

This app offers a digital banking alternative, allowing users to manage multiple currencies, send and receive money internationally, and access a contactless debit card. It provides budgeting tools, real-time notifications, and features like savings pots and virtual cards for secure online payments.

**Highlights:** Multi-currency accounts (GBP, EUR, RON), Contactless Mastercard debit card, International money transfers, Virtual card for online payments, Savings pots, Real-time spending notifications, Credit score building (UK only)

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

**In-app purchases:** none


### B4B Payments

[App page](https://appshunter.io/ios/app/b4b-payments/id1503309481)

Manage your B4B Payments card from your mobile device. Submit receipts in real-time, track spending, and control card features like blocking transactions and ATM access. Streamline expense management on the go.

**Highlights:** Real-time receipt submission, Expense classification on the go, Secure login (Face ID/fingerprint), Check available balance, View card transactions, Block/unblock transactions, Manage ATM and online spending

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

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 👍 Great customer service
- 👍 Love the app
- 👍 New updates offer more features

**What reviewers complain about**

- 😞 Terrible app experience
- 😞 Login issues
- 😞 App is unusable
- 😞 App is buggy
- 😞 App crashes

**Reported bugs**

- Cannot log in
- App does not react
- Login freezes
- Cannot add another card
- Does not allow adding a new card when the old one expires

**Requested features**

- Add option for a four-digit code for easier login
- Allow adding money to cash app or Venmo


## Frequently asked questions

### Is Monese free?

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

### Is B4B Payments free?

B4B Payments is free to download, with no in-app purchases.

### Which has better reviews, Monese or B4B Payments?

Monese is rated higher. Monese averages 4.7 out of 5 from 2.4K ratings, while B4B Payments averages 4.6 from 220 ratings.

### Do Monese or B4B Payments have ads?

Monese shows ads; B4B Payments does not.

### Which is updated more often, Monese or B4B Payments?

Monese ships an update every 3 weeks, and B4B Payments fortnightly. Most recently, Monese was updated on November 6, 2026 and B4B Payments on November 3, 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.*