# MONETA Smart Banka vs Splitwave

The clearest difference is update cadence: MONETA Smart Banka at every 10 days against Splitwave's every 5 weeks. MONETA Smart Banka also leads on device support (5 vs 1) and iOS requirement (16.0 vs 26.0). On price, ads and in-app purchases there is nothing between them.

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

MONETA Smart Banka ships an update every 10 days, Splitwave every 5 weeks. The most recent releases landed on October 12, 2026 and October 11, 2026 respectively.

## The numbers

| Metric | MONETA Smart Banka | Splitwave |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (493 ratings)](https://appshunter.io/ios/app/moneta-smart-banka/id1122443334/reviews)** | — |
| Number of ratings | **493** | — |
| Positive reviews | 52.5% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 10 days** | Every 5 weeks |
| Monetization | Free | — |
| Size | 375 MB | 19 MB |
| Requires iOS | **16.0** | 26.0 |
| Devices | **iPhone, iPad, Mac, Apple TV, Apple Watch** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [MONETA Money Bank, a.s](https://appshunter.io/developer/483589701) | [Denis Poledna](https://appshunter.io/developer/1817928468) |

## What reviewers say

### MONETA Smart Banka

[App page](https://appshunter.io/ios/app/moneta-smart-banka/id1122443334)

Manage your bank accounts conveniently from your phone with this free mobile banking application. Open accounts remotely, check balances, make payments, and access various banking services securely. It offers features like card management, loan overviews, and ATM locators.

**Highlights:** Remote account opening, Check account balances, Make payments and top up credit, Card management (blocking, limits), Loan and investment overviews, ATM locator with filters, Secure PIN and Touch ID login

**Features:** Apple Wallet, Apple Watch app, iMessage stickers, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly and simple
- 🚀 Fast and efficient
- 💯 Reliable and stable (historically)
- ✨ Modern design (for some)
- ✅ Many useful features

**What reviewers complain about**

- 🐛 App crashes frequently
- 🐌 Slow loading times
- 😵 Messy and hard to navigate
- ❌ Unreliable, often not working
- 🫥 Login issues and errors

**Reported bugs**

- Widget not working correctly after update
- App crashes on start
- Account opening not possible through mobile app
- Sudden shutdowns and inability to move between tabs
- Error during activation, cannot activate via internet banking

**Requested features**

- Add ability to categorize payments
- Improve investment details view with time periods
- Allow adding investments to the first main page
- Add portrait mode for iPad
- Option to change design to older version


### Splitwave

[App page](https://appshunter.io/ios/app/splitwave/id6790270734)

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

**In-app purchases:** none


## Frequently asked questions

### Is MONETA Smart Banka free?

MONETA Smart Banka is free to download, with no in-app purchases.

### Is Splitwave free?

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

### Do MONETA Smart Banka or Splitwave have ads?

Neither MONETA Smart Banka nor Splitwave shows ads.

### Which is updated more often, MONETA Smart Banka or Splitwave?

MONETA Smart Banka ships an update every 10 days, and Splitwave every 5 weeks. Most recently, MONETA Smart Banka was updated on October 12, 2026 and Splitwave on October 11, 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.*