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 by your side! With SIBNET, manage your accounts with ease and security, wherever you are, 24/7. Available for free download, the app offers a smooth and modern banking experience, reflecting our commitment to bringing your bank closer to you. Your everyday banking services: • View your accounts in real time (current accounts, savings accounts and term deposits). • Access your account statements and check the status of cheques to be paid or cashed. • Make and track transfers (standard, scheduled, standing orders, multiple and salary transfers) to other banks and across the UEMOA region, securely. • Manage your beneficiaries and download or email your bank details (RIB) in just one click. • View your transactions and keep track of your finances. • Easily locate our branches and ATMs. • Use the loan simulator to plan your projects. • Choose your preferred language: French or English. • Explore the demo to discover all available features. • View your bank cards and card transactions. • Block your card in case of loss or theft. • Check foreign exchange rates. • Pay your bills through E-CNPS. • Use a unique identifier, « ALIAS », to make your transactions. • Make instant payments and transfers, available 24/7 throughout the UEMOA region. • Send payment requests to other users. • Schedule your payments to be automatically executed on the date and at the frequency of your choice. • Track all your transactions in real time and access your detailed transaction history. And now, secure your login and transactions with strong authentication. Signing your transactions is now possible without SMS OTP, providing a simpler, faster and more secure experience. The entire SIB team remains committed to developing new features to make your banking experience even easier and bring your bank 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 2.4. SmartFin also leads on update cadence (every 2 weeks vs every 6 months). SIBNET's advantage is monetization model (free vs ad-supported). 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 2.4. Both are backed by a comparable volume of ratings — 5 and 5 respectively.
SIBNET ships an update every 6 months, SmartFin every 2 weeks. The most recent releases landed on October 19, 2026 and October 4, 2026 respectively.
| Parameter | SIBNET | SmartFin |
|---|---|---|
| Price | Free | Free |
| Rating | 2.4 (5 ratings) | 4.8 (5 ratings) — better |
| Positive reviews | 20.0% of reviews | — |
| Number of ratings | 5 | 5 |
| 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 | 15.0 | 15.0 |
| Further details — not scored | ||
| Size | 122 MB | 183 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








