# FinSmart vs OYE Cloud Intl.

The clearest difference is rating: OYE Cloud Intl. at 4.2 against FinSmart's 1.7. FinSmart's advantage is ratings volume (62 vs 6) and iOS requirement (12.0 vs 15.0). 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.

OYE Cloud Intl. holds the better App Store score, 4.2 against 1.7. That said, the two scores are not equally well evidenced: FinSmart has 62 ratings behind it against 6, so its average is the more settled of the two.

FinSmart ships an update monthly, OYE Cloud Intl. every 2 months. Both last shipped on October 24, 2026.

## The numbers

| Metric | FinSmart | OYE Cloud Intl. |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.7 (62 ratings)](https://appshunter.io/ios/app/finsmart/id1297975396/reviews) | **[4.2 (6 ratings)](https://appshunter.io/ios/app/oye-cloud-intl/id6444281970/reviews)** |
| Number of ratings | **62** | 6 |
| Positive reviews | 4.7% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 2 months |
| Monetization | Free | Free |
| Size | 70 MB | 374 MB |
| Requires iOS | **12.0** | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 17+ | 4+ |
| Developer | [Lanka Bangla Finance PLC](https://appshunter.io/developer/1297975395) | [Guangdong OPPO Mobile Telecommunications Corp.,Ltd.](https://appshunter.io/developer/1486549739) |

## What reviewers say

### FinSmart

[App page](https://appshunter.io/ios/app/finsmart/id1297975396)

Access financial services from a leading provider on your mobile device. Manage accounts, apply for products, view offers, and locate branches and merchants easily. Securely access your information with your Wallet ID and PIN.

**Highlights:** Self sign up with NID, Self PIN reset, View latest statements and account details, Online product applications, Access offers and rewards, Branch and merchant locator, In-app notifications

**Features:** macOS Compatibility

**In-app purchases:** none


### OYE Cloud Intl.

[App page](https://appshunter.io/ios/app/oye-cloud-intl/id6444281970)

This app offers integrated mobile solutions for retail business partners, combining communication, organization, and online business tools. It aims to enhance management and efficiency for a global mobile phone retail network.

**Highlights:** Integrated communication tools, Organizational features, Online business management, Retail business efficiency, Mobile solutions for partners

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

**In-app purchases:** none


## Frequently asked questions

### Is FinSmart free?

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

### Is OYE Cloud Intl. free?

OYE Cloud Intl. is free to download, with no in-app purchases.

### Which has better reviews, FinSmart or OYE Cloud Intl.?

OYE Cloud Intl. is rated higher. FinSmart averages 1.7 out of 5 from 62 ratings, while OYE Cloud Intl. averages 4.2 from 6 ratings.

### Do FinSmart or OYE Cloud Intl. have ads?

Neither FinSmart nor OYE Cloud Intl. shows ads.

### Which is updated more often, FinSmart or OYE Cloud Intl.?

FinSmart ships an update monthly, and OYE Cloud Intl. every 2 months. Most recently, FinSmart was updated on October 24, 2026 and OYE Cloud Intl. on October 24, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*