# HAL mobileBanking vs SMBC MultiCash Mobile Token

The clearest difference is device support: SMBC MultiCash Mobile Token at 3 against HAL mobileBanking's 1. SMBC MultiCash Mobile Token also leads on iOS requirement (15.0 vs 18.0). 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.

HAL mobileBanking ships an update every 3 months, SMBC MultiCash Mobile Token every 4 months. The most recent releases landed on September 29, 2026 and October 1, 2026 respectively.

## The numbers

| Metric | HAL mobileBanking | SMBC MultiCash Mobile Token |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 months** | Every 4 months |
| Size | 30 MB | 85 MB |
| Requires iOS | 18.0 | **15.0** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Hauck Aufhauser Lampe Privatbank AG](https://appshunter.io/developer/1407665362) | [SMBC Bank International plc](https://appshunter.io/developer/1493943821) |

## What reviewers say

### HAL mobileBanking

[App page](https://appshunter.io/ios/app/hal-mobilebanking/id1407665852)

**Features:** macOS Compatibility

**In-app purchases:** none


### SMBC MultiCash Mobile Token

[App page](https://appshunter.io/ios/app/smbc-multicash-mobile-token/id6471594776)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is HAL mobileBanking free?

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

### Is SMBC MultiCash Mobile Token free?

SMBC MultiCash Mobile Token is free to download, with no in-app purchases.

### Do HAL mobileBanking or SMBC MultiCash Mobile Token have ads?

Neither HAL mobileBanking nor SMBC MultiCash Mobile Token shows ads.

### Which is updated more often, HAL mobileBanking or SMBC MultiCash Mobile Token?

HAL mobileBanking ships an update every 3 months, and SMBC MultiCash Mobile Token every 4 months. Most recently, HAL mobileBanking was updated on September 29, 2026 and SMBC MultiCash Mobile Token on October 1, 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.*