Comparison

ProCredit MobileSign vs Swinto

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

ProCredit MobileSign

Securely authorize transactions and documents for various banking services. This application works in conjunction with other ProCredit apps to authenticate your access and approve actions, requiring only your smartphone and internet access.

Highlights
  • Securely authorize transactions
  • Authenticate access to banking services
  • No additional hardware token needed
  • Uses smartphone/tablet for authorization
  • QR code device registration
Features
Read full description

Dear clients, Get the ProCredit MobileSign app to securely authorize transactions and documents using various ProCredit services. Use the ProCredit MobileSign app to securely access ProCredit’s banking applications and services. Use it to authorize transactions or to authenticate your access (when requested). Please note that MobileSign is primarily a security application and is used in conjunction with other ProCredit applications, not stand-alone. How it works Individual ProCredit applications will prompt you to install or use the MobileSign application. For example, you may be asked to use the application to read an on-screen QR code to register your device. Transactions appear within the application for your approval. Requirements You need your ProCredit MobileSign app and Internet access on your smartphone. Features - Easily authorise transactions - No additional token or 3rd party device is required. Just your smartphone/tablet

About

Swinto

Manage your money with instant, free transfers and payments. Easily convert currencies, withdraw cash, and track subscriptions. Businesses can also manage finances and integrate with ERP systems.

Highlights
  • Instant, free transfers
  • Pay and request payments
  • Real-time currency conversion
  • QR code payments
  • Cash withdrawals
  • Subscription management
  • Business finance tools
Features
Read full description

Receive your salary, send money. Together with our local partners, we also offer cash withdrawals and deposits. At the core, Swinto is architected as an ecosystem that enables a variety of opportunities for all participants. The platform offers modern, user-friendly, free of charge and instant financial methods, thus bridging the gap between Kosova and Diaspora. Among many features that are approachable to anyone, here's what to expect from us that makes your way of managing money easier: No base fees Yes, that's true — we do not charge for any transfer made, make easy payments effortlessly from your phone, instant and free. Pay and request payments Make payments hassle-free to your Swinto friends and relatives, also receive payments with ease, whenever and wherever. Get updated of your spendings with instant notifications every time you pay for something. Convert money like a local Keep up with real time rates in different currencies, do this anytime by having a wonderful, smooth experience. Scan away easily Conducting payments and getting paid within seconds. Providing the ability to shop effortlessly, while paying via QR Codes by simply scanning away, both at retail stores and online. Cash withdrawals — anytime, anywhere Withdrawing money and cashing up right away within Swinto network, consisting of business partners engaged in different activities in the retail industry. Smart ways to set your upcoming payments in one place. Manage your subscriptions and have a peace of mind, where you can also easily track and cancel anytime! Businesses will benefit from the opportunity to control their business finances with the ability to self-serve — on the go. Run your business from afar Run the core of your business without spending money on POS hardware. Pay salaries, inventories, and other business expenses. Integrate with your ERP for a seamless payment experience Offering the API-based integration between Swinto and business ERP software, in order to offer QR payments both in retail stores and online. Feel safe and secure Accept payments - safely and securely with best-in-class data protection.

Screenshots

ProCredit MobileSign4 screens
Swinto4 screens

Verdict

The call

The clearest difference is review sentiment: Swinto at 100% against ProCredit MobileSign's 0%. Swinto also leads on rating (4.6 vs 4.0) and update cadence (fortnightly vs every 6 months). ProCredit MobileSign's advantage is ads (none vs shown) and monetization model (free vs ad-supported). On price 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

Swinto holds the better App Store score, 4.6 against 4.0. Both are backed by a comparable volume of ratings — 4 and 18 respectively. Written reviews point the same way: 0% of ProCredit MobileSign's written reviews are positive against 100% of Swinto's.

UpkeepUpdate frequency

ProCredit MobileSign ships an update every 6 months, Swinto fortnightly. Both last shipped on November 3, 2026.

Scorecard8 real differences · 2 level
ProCredit MobileSign versus Swinto: the parameters behind the verdict, then further details
ParameterProCredit MobileSignSwinto
PriceFreeFree
Rating4.0 (4 ratings)4.6 (18 ratings) — better
Positive reviews0.0% of reviews100.0% of reviews — better
Number of ratings418 — better
Update frequencyEvery 6 monthsFortnightly — better
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS11.0 — better26.0
Further details — not scored
Size56 MB144 MB
Age rating4+4+
DeveloperQUIPU GmbHSwinto SHA

Customer experience

ProCredit MobileSign

All ratings4 ratings
Positive75.0%
Neutral0.0%
Negative25.0%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Swinto

All ratings18 ratings
Positive88.9%
Neutral0.0%
Negative11.1%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

ProCredit MobileSign

No in-app purchases

None

Swinto

No in-app purchases

Questions

Is ProCredit MobileSign free?
ProCredit MobileSign is free to download, with no in-app purchases.
Is Swinto free?
Swinto is free to download, with no in-app purchases.
Which has better reviews, ProCredit MobileSign or Swinto?
Swinto is rated higher. ProCredit MobileSign averages 4.0 out of 5 from 4 ratings, while Swinto averages 4.6 from 18 ratings.
Do ProCredit MobileSign or Swinto have ads?
Swinto shows ads; ProCredit MobileSign does not.
Which is updated more often, ProCredit MobileSign or Swinto?
ProCredit MobileSign ships an update every 6 months, and Swinto fortnightly. Most recently, ProCredit MobileSign was updated on November 3, 2026 and Swinto on November 3, 2026.

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