SIBNET vs SmartFin
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
SIBNET
Manage your bank accounts digitally 24/7 with real-time updates, secure transfers within the UEMOA zone, and easy access to statements and transaction history. Plan your finances with a loan simulator and locate branches and ATMs.
- Real-time account viewing
- Secure UEMOA zone transfers
- Loan simulator
- Branch and ATM locator
- Instant card blocking
- Currency exchange rates
- Bill payments
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“SIBNET” – Your 100% digital bank, always with you! With SIBNET, manage your accounts with ease and security, wherever you are, 24/7. Free to download, the app offers a smooth and modern experience, staying true to our commitment: bringing your bank closer to you. Your everyday services: • View your accounts in real time (checking, savings, and term deposits). • Access your account statements and check the status of issued or deposited cheques. • Make and track your transfers (standard, scheduled, recurring, multiple, and salary transfers) safely within the UEMOA zone. • Manage your beneficiaries, download, and send your bank details (RIB) by email in just one click. • Review your transactions and stay in control of your finances. • Easily locate our branches and ATMs. • Use the loan simulator to plan your projects. • Choose your language: French or English. • Explore the demo to discover all the app’s features. • View your cards and transaction history. • Block a card instantly in case of loss or theft. • Check currency exchange rates. • Pay your bills (E-CNPS). • … and much more. And now, discover PI-SPI ! • Use a unique “ALIAS” ID to carry out all your transactions. • Make instant payments and transfers, available 24/7 throughout the UEMOA zone. • Send payment requests to other users. • Schedule your payments to be executed automatically at your chosen date and frequency. • Track all your transactions in real time and access your detailed history anytime. The entire SIB team remains committed to continuously developing new features to make your bank even closer to you.
SmartFin
Manage your wealth, credits, personal budgets, and investments with this innovative personal finance tool. It offers a simple and effective way to track your financial assets and liabilities.
- Wealth management
- Credit tracking
- Personal budgeting
- Investment management
- Financial planning
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Une solution innovante de gestion de finances personnelle. SmartFin App est une application mobile et web visant à aider les utilisateurs à gérer leur patrimoine, leurs crédits, leurs budgets personnels, et à réaliser des investissements de manière simple et efficace.
Screenshots
Verdict
The clearest difference is rating: SmartFin at 4.8 against SIBNET's 2.0. SmartFin also leads on update cadence (every 2 weeks vs every 6 months). SIBNET's advantage is monetization model (free vs ad-supported) and iOS requirement (11.0 vs 15.0). On price, ratings volume, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
SmartFin holds the better App Store score, 4.8 against 2.0. Both are backed by a comparable volume of ratings — 3 and 5 respectively.
SIBNET ships an update every 6 months, SmartFin every 2 weeks. The most recent releases landed on September 15, 2026 and September 17, 2026 respectively.
| Parameter | SIBNET | SmartFin |
|---|---|---|
| Price | Free | Free |
| Rating | 2.0 (3 ratings) | 4.8 (5 ratings) — better |
| Positive reviews | 0.0% of reviews | — |
| Number of ratings | 3 | 5 — better |
| Update frequency | Every 6 months | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 11.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 337 MB | 179 MB |
| Age rating | 4+ | 4+ |
| Developer | Société Ivoirienne de Banque (SIB) | Colombe Djirebo |
Customer experience
SIBNET
SmartFin
In-app purchases
SIBNET
No in-app purchases
SmartFin
No in-app purchases
