# MoneyBe vs SMBC MultiCash Mobile Token

The clearest difference is in-app purchases: SMBC MultiCash Mobile Token at none against MoneyBe's 6. MoneyBe's advantage is update cadence (monthly vs every 4 months). On price, ads, device support and iOS requirement there is nothing between them.

Both are free to download. MoneyBe sells 6 in-app purchases, starting at $2.99 per month. SMBC MultiCash Mobile Token asks for nothing beyond the download.

MoneyBe ships an update monthly, SMBC MultiCash Mobile Token every 4 months. The most recent releases landed on October 24, 2026 and October 27, 2026 respectively.

## The numbers

| Metric | MoneyBe | SMBC MultiCash Mobile Token |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (13 ratings)](https://appshunter.io/ios/app/moneybe/id1186342586/reviews)** | — |
| Number of ratings | **13** | — |
| Positive reviews | 72.8% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Monthly** | Every 4 months |
| Monetization | Free with in-app purchases | — |
| Size | 45 MB | 85 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod, Apple Watch | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Dmytro Obertynskyi](https://appshunter.io/developer/1186342585) | [SMBC Bank International plc](https://appshunter.io/developer/1493943821) |

## What reviewers say

### MoneyBe

[App page](https://appshunter.io/ios/app/moneybe/id1186342586)

Securely manage personal finances, business, and projects without registration or ads. Track expenses, income, and budgets with multi-currency support and detailed reports. Offers fast search and automatic backups for peace of mind.

**Highlights:** User privacy first, no registration or tracking, Unlimited expense and income categories, Multi-currency accounts with automatic rate updates, Detailed reports, budgeting, and project management, Fast transaction search, Automatic and manual backups, Apple Watch and 3D Touch integration

**Features:** Family Sharing, Apple Watch app, Vision Pro support

**In-app purchases (6)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Unlimited | $2.99 | per month |
| Annual Unlimited | $19.99 | per year |
| Bronze badge | $0.99 | one-time |
| Silver badge | $1.99 | one-time |
| Gold badge | $2.99 | one-time |
| MoneyBe, Lifetime Premium | $34.99 | one-time |


### SMBC MultiCash Mobile Token

[App page](https://appshunter.io/ios/app/smbc-multicash-mobile-token/id6471594776)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is MoneyBe free?

MoneyBe is free to download, with in-app purchases available.

### Is SMBC MultiCash Mobile Token free?

SMBC MultiCash Mobile Token is free to download, with no in-app purchases.

### Do MoneyBe or SMBC MultiCash Mobile Token have ads?

Neither MoneyBe nor SMBC MultiCash Mobile Token shows ads.

### Which is updated more often, MoneyBe or SMBC MultiCash Mobile Token?

MoneyBe ships an update monthly, and SMBC MultiCash Mobile Token every 4 months. Most recently, MoneyBe was updated on October 24, 2026 and SMBC MultiCash Mobile Token on October 27, 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.*