# Quds Smart vs Reflect

The clearest difference is review sentiment: Quds Smart at 38% against Reflect's 21%. Quds Smart also leads on iOS requirement (13.6 vs 16.0). Reflect's advantage is rating (3.5 vs 3.3) and ratings volume (308 vs 27). On price, update cadence, 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.

Reflect holds the better App Store score, 3.5 against 3.3. That said, the two scores are not equally well evidenced: Reflect has 308 ratings behind it against 27, so its average is the more settled of the two. Written reviews complicate that: 38% of Quds Smart's written reviews are positive against 21% of Reflect's, so the app with the better star average is not the one people write more warmly about.

Quds Smart ships an update every 3 weeks, Reflect monthly. The most recent releases landed on October 3, 2026 and October 13, 2026 respectively.

## The numbers

| Metric | Quds Smart | Reflect |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.3 (27 ratings)](https://appshunter.io/ios/app/quds-smart/id1163489470/reviews) | **[3.5 (308 ratings)](https://appshunter.io/ios/app/reflect-banking-made-personal/id1585813708/reviews)** |
| Number of ratings | 27 | **308** |
| Positive reviews | **37.5% of reviews** | 21.1% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Monthly |
| Monetization | Free | Free |
| Size | 35 MB | 524 MB |
| Requires iOS | **13.6** | 16.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Quds Bank](https://appshunter.io/developer/1541128154) | [Arab Bank PLC](https://appshunter.io/developer/766458474) |

## What reviewers say

### Quds Smart

[App page](https://appshunter.io/ios/app/quds-smart/id1163489470)

Manage your bank accounts and perform various financial transactions remotely. Access account balances, statements, credit card details, and initiate transfers. Request services like checkbooks and loans, and locate bank branches and ATMs.

**Highlights:** Account balance and statement viewing, Credit card management, Fund transfers (internal, external, international), Beneficiary management, Loan and checkbook requests, ATM and branch locator

**Features:** macOS Compatibility

**In-app purchases:** none


### Reflect

[App page](https://appshunter.io/ios/app/reflect-banking-made-personal/id1585813708)

Manage your finances and lifestyle needs with this comprehensive banking app. Send, spend, and save money, shop with a one-click checkout, and automate your savings goals. Earn rewards and prizes through various activities.

**Highlights:** Digital Wallet Account, Personalized Marketplace, Flexible Top-ups & Withdrawals, Loyalty Points & Cash Rewards, Instant Payments & Bill Pay, Automated Saving Spaces, Spin & Win Prizes, Digital Account Opening

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

**In-app purchases:** none


## Frequently asked questions

### Is Quds Smart free?

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

### Is Reflect free?

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

### Which has better reviews, Quds Smart or Reflect?

Reflect is rated higher. Quds Smart averages 3.3 out of 5 from 27 ratings, while Reflect averages 3.5 from 308 ratings.

### Do Quds Smart or Reflect have ads?

Neither Quds Smart nor Reflect shows ads.

### Which is updated more often, Quds Smart or Reflect?

Quds Smart ships an update every 3 weeks, and Reflect monthly. Most recently, Quds Smart was updated on October 3, 2026 and Reflect on October 13, 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.*