# Avanz Token vs SmartMoney.

The clearest difference is rating: Avanz Token at 5.0 against SmartMoney.'s 2.6. Avanz Token also leads on ads (none vs shown) and monetization model (free vs ad-supported). SmartMoney.'s advantage is update cadence (every 3 months vs every 9 months) and iOS requirement (11.0 vs 13.0). On price, ratings volume, in-app purchases and device support there is nothing between them.

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

Avanz Token holds the better App Store score, 5.0 against 2.6. Both are backed by a comparable volume of ratings — 3 and 5 respectively.

Avanz Token ships an update every 9 months, SmartMoney. every 3 months. The most recent releases landed on November 2, 2026 and November 4, 2026 respectively.

## The numbers

| Metric | Avanz Token | SmartMoney. |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (3 ratings)](https://appshunter.io/ios/app/avanz-token/id1355373129/reviews)** | [2.6 (5 ratings)](https://appshunter.io/ios/app/smartmoney/id1408882586/reviews) |
| Number of ratings | 3 | **5** |
| Positive reviews | — | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 9 months | **Every 3 months** |
| Monetization | **Free** | Ad-supported |
| Size | 28 MB | 96 MB |
| Requires iOS | 13.0 | **11.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Banco Avanz S.A.](https://appshunter.io/developer/1105535804) | [Lafise](https://appshunter.io/developer/506196965) |

## What reviewers say

### Avanz Token

[App page](https://appshunter.io/ios/app/avanz-token/id1355373129)

Securely perform e-banking transactions using biometric authentication. Once configured, it operates offline and can be managed across multiple devices. It's designed for both individuals and authorized legal entities to facilitate transfers and payments.

**Highlights:** Biometric login (fingerprint/facial recognition), Offline functionality, Multi-device management, Supports legal entities and individuals, Facilitates transfers and payments, Disables physical tokens upon setup

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

**In-app purchases:** none


### SmartMoney.

[App page](https://appshunter.io/ios/app/smartmoney/id1408882586)

This finance app allows users to make payments and purchases at affiliated merchants by linking credit, debit, or prepaid Visa or MasterCard. Payments are authorized using a personalized 4-digit PIN after scanning a QR code at the point of sale.

**Highlights:** QR code scanning for payments, Link credit, debit, or prepaid cards, Personalized 4-digit PIN authorization, Supports Visa and MasterCard, View affiliated merchants

**In-app purchases:** none


## Frequently asked questions

### Is Avanz Token free?

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

### Is SmartMoney. free?

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

### Which has better reviews, Avanz Token or SmartMoney.?

Avanz Token is rated higher. Avanz Token averages 5.0 out of 5 from 3 ratings, while SmartMoney. averages 2.6 from 5 ratings.

### Do Avanz Token or SmartMoney. have ads?

SmartMoney. shows ads; Avanz Token does not.

### Which is updated more often, Avanz Token or SmartMoney.?

Avanz Token ships an update every 9 months, and SmartMoney. every 3 months. Most recently, Avanz Token was updated on November 2, 2026 and SmartMoney. on November 4, 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.*