# ANZ Digital Key vs Smarty Bucks

The clearest difference is review sentiment: Smarty Bucks at 100% against ANZ Digital Key's 25%. Smarty Bucks also leads on update cadence (every 6 days vs every 5 months). ANZ Digital Key's advantage is in-app purchases (none vs 2) and iOS requirement (16.4 vs 18.5). On price, ads, monetization model and device support there is nothing between them.

Both are free to download. Smarty Bucks sells 2 in-app purchases, starting at $1.99 per month. ANZ Digital Key asks for nothing beyond the download.

ANZ Digital Key ships an update every 5 months, Smarty Bucks every 6 days. The most recent releases landed on October 15, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | ANZ Digital Key | Smarty Bucks |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.0 (4 ratings)](https://appshunter.io/ios/app/anz-digital-key/id1352218608/reviews)** | — |
| Number of ratings | **4** | — |
| Positive reviews | 25.0% of reviews | **100.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 5 months | **Every 6 days** |
| Monetization | Free | Free |
| Size | 55 MB | 21 MB |
| Requires iOS | **16.4** | 18.5 |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 4+ |
| Developer | [ANZ Banking Group Limited](https://appshunter.io/developer/351748977) | [GREGORY MARC PEEVER](https://appshunter.io/developer/6777804892) |

## What reviewers say

### ANZ Digital Key

[App page](https://appshunter.io/ios/app/anz-digital-key/id1352218608)

Securely log in and approve transactions for specific ANZ digital channels using biometric authentication or a PIN. This free app offers a faster and more convenient way to manage your banking securely.

**Highlights:** Biometric login (Face ID, Fingerprint ID), PIN authentication, Secure transaction approval, Faster banking access, Enhanced channel security

**In-app purchases:** none


### Smarty Bucks

[App page](https://appshunter.io/ios/app/smarty-bucks/id6777804889)

This app helps families manage allowances, chores, and spending. Parents can set up recurring allowances, assign chores with optional payments, and approve spending requests. Kids can track their balances, complete chores, and save towards goals.

**Highlights:** Allowance management, Chore assignment and tracking, Spending request approval, Savings goal setting, Family dashboard, Transaction history, Data export

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly | $1.99 | per month |
| Annual | $22.99 | per year |


## Frequently asked questions

### Is ANZ Digital Key free?

ANZ Digital Key is free to download, with no in-app purchases.

### Is Smarty Bucks free?

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

### Do ANZ Digital Key or Smarty Bucks have ads?

Neither ANZ Digital Key nor Smarty Bucks shows ads.

### Which is updated more often, ANZ Digital Key or Smarty Bucks?

ANZ Digital Key ships an update every 5 months, and Smarty Bucks every 6 days. Most recently, ANZ Digital Key was updated on October 15, 2026 and Smarty Bucks on October 24, 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.*