# Monese vs BOV 3D Secure

The clearest difference is rating: Monese at 4.7 against BOV 3D Secure's 1.0. Monese also leads on update cadence (every 3 weeks vs every 28 months) and ratings volume (2.4K vs 2). BOV 3D Secure's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, 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.

Monese holds the better App Store score, 4.7 against 1.0. That said, the two scores are not equally well evidenced: Monese has 2.4K ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 19% of Monese's written reviews are positive against 0% of BOV 3D Secure's.

Monese ships an update every 3 weeks, BOV 3D Secure every 28 months. The most recent releases landed on October 26, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | Monese | BOV 3D Secure |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (2.4K ratings)](https://appshunter.io/ios/app/monese-a-banking-alternative/id1102793407/reviews)** | [1.0 (2 ratings)](https://appshunter.io/ios/app/bov-3d-secure/id1556025166/reviews) |
| Number of ratings | **2.4K** | 2 |
| Positive reviews | **18.8% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Every 3 weeks** | Every 28 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 203 MB | 51 MB |
| Requires iOS | 15.0 | **12.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Monese LTD](https://appshunter.io/developer/1102793406) | [Bank of Valletta p.l.c.](https://appshunter.io/developer/484470119) |

## 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


### 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 Monese free?

Monese 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, Monese or BOV 3D Secure?

Monese is rated higher. Monese averages 4.7 out of 5 from 2.4K ratings, while BOV 3D Secure averages 1.0 from 2 ratings.

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

Monese shows ads; BOV 3D Secure does not.

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

Monese ships an update every 3 weeks, and BOV 3D Secure every 28 months. Most recently, Monese was updated on October 26, 2026 and BOV 3D Secure on October 24, 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.*