# GMOあおぞらネット銀行 認証アプリ vs 貯蓄の窓口 by Habitto

The clearest difference is review sentiment: 貯蓄の窓口 by Habitto at 67% against GMOあおぞらネット銀行 認証アプリ's 0%. 貯蓄の窓口 by Habitto also leads on update cadence (every 2 weeks vs every 4 months). GMOあおぞらネット銀行 認証アプリ's advantage is monetization model (free vs ad-supported) and iOS requirement (10.0 vs 15.1). On price, ads, 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.

GMOあおぞらネット銀行 認証アプリ ships an update every 4 months, 貯蓄の窓口 by Habitto every 2 weeks. The most recent releases landed on August 27, 2026 and September 17, 2026 respectively.

## The numbers

| Metric | GMOあおぞらネット銀行 認証アプリ | 貯蓄の窓口 by Habitto |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[3.7 (3 ratings)](https://appshunter.io/ios/app/by-habitto/id1641045189/reviews)** |
| Number of ratings | — | **3** |
| Positive reviews | 0.0% of reviews | **66.7% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Every 2 weeks** |
| Monetization | **Free** | Ad-supported |
| Size | 21 MB | 205 MB |
| Requires iOS | **10.0** | 15.1 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [GMO Aozora Net Bank, Ltd.](https://appshunter.io/developer/1341530385) | [Habitto](https://appshunter.io/developer/1641045191) |

## What reviewers say

### GMOあおぞらネット銀行 認証アプリ

[App page](https://appshunter.io/ios/app/gmo/id1403241824)

This app generates one-time passwords for online banking transactions and supports enhanced transaction authentication. It ensures secure access for transfers and account changes by verifying your identity through your smartphone.

**Highlights:** One-time password generation, Transaction authentication, Secure online banking access, Enhanced security for transfers, Account change verification

**Features:** Vision Pro support

**In-app purchases:** none


### 貯蓄の窓口 by Habitto

[App page](https://appshunter.io/ios/app/by-habitto/id1641045189)

This digital banking app offers integrated savings, investment, and insurance services. Receive personalized support from financial advisors via chat or video sessions to build better money habits. It provides a high-interest savings account and a debit card with cashback rewards.

**Highlights:** High-interest savings account (0.6% APY), Debit card with 0.8% cashback, Personalized financial advice, In-app chat and video consultations, ATM access (7-Bank, AEON, JP Post), Savings, investment, and insurance services

**In-app purchases:** none


## Frequently asked questions

### Is GMOあおぞらネット銀行 認証アプリ free?

GMOあおぞらネット銀行 認証アプリ is free to download, with no in-app purchases.

### Is 貯蓄の窓口 by Habitto free?

貯蓄の窓口 by Habitto is free to download, with no in-app purchases.

### Do GMOあおぞらネット銀行 認証アプリ or 貯蓄の窓口 by Habitto have ads?

Neither GMOあおぞらネット銀行 認証アプリ nor 貯蓄の窓口 by Habitto shows ads.

### Which is updated more often, GMOあおぞらネット銀行 認証アプリ or 貯蓄の窓口 by Habitto?

GMOあおぞらネット銀行 認証アプリ ships an update every 4 months, and 貯蓄の窓口 by Habitto every 2 weeks. Most recently, GMOあおぞらネット銀行 認証アプリ was updated on August 27, 2026 and 貯蓄の窓口 by Habitto on September 17, 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.*