SmartMoney. vs Ginih
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
SmartMoney.
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.
- QR code scanning for payments
- Link credit, debit, or prepaid cards
- Personalized 4-digit PIN authorization
- Supports Visa and MasterCard
- View affiliated merchants
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Es una aplicación de software diseñada para teléfonos inteligentes la cual se descarga a través de las respectivas tiendas según el sistema operativo (IOS), por medio de ella el cliente podrá realizar pagos o compras en los comercios afiliados asociando una tarjeta de crédito, débito o prepago de las Marcas Visa o MasterCard con la lectura de un Código QR que Permite almacenar información a través de una matriz de puntos o código de barras bidimensional, a través de este código se puede identificar una diversidad de información. En el caso de la aplicación Smartmoney se utilizará para identificar el comercio donde se realizará la compra o el pago al pagar el usuario tendrá que marcar su Número PIN: Al momento de configuración la aplicación se debe asociar un código de 4 dígitos numéricos el cual se utilizará para autorizar los pagos o compras este número es personalizado y no corresponde al número PIN de su tarjeta.
Ginih
Manage all your bills, installments, and loans from anywhere, anytime. Receive payment reminders to avoid late fees, view your payment history, and easily share payment links with others. Connect your customer accounts or scan QR codes to pay for services and products from various providers.
- Pay bills, installments, and loans
- 24/7 payment access
- Payment reminders
- Payment history
- Share payment links
- Connect customer accounts
- Scan QR codes for payment
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Paga tus facturas, mensualidades y préstamos desde cualquier lugar 24/7. - Recibe notificaciones de tus próximos pagos para evitar entrar en mora - Consulta el historial de tus pagos - Comparte el enlace de un pago con familia y amigos en tiempo de dificultad ¿Cómo funciona? Conecta tu numero de cliente o cuenta con las empresas con las que tienes una mensualidad para ver tus pagos pendientes, recibir notificaciones y realizar los pagos. También puedes escanear el código QR de la empresa para realizar el pago de un servicio o producto. ¡Paga tu saldo pendiente con la universidad UTH, energía eléctrica RECO, préstamos COFISA, Cablecolor, gimnasio AJ Fitness, Aguas de Choloma, PrestaYa, PrestaAuto, CrediRapid, Credimóvil y mucho más! Términos de uso: https://ginih.com/terms-of-service/ Política de privacidad: http://ginih.com/privacy-policy
Screenshots
Verdict
The clearest difference is review sentiment: Ginih at 45% against SmartMoney.'s 0%. Ginih also leads on rating (4.8 vs 2.6) and ads (none vs shown). SmartMoney.'s advantage is iOS requirement (11.0 vs 13.4). On price, in-app purchases and device support there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Ginih holds the better App Store score, 4.8 against 2.6. That said, the two scores are not equally well evidenced: Ginih has 702 ratings behind it against 5, so its average is the more settled of the two. Written reviews point the same way: 0% of SmartMoney.'s written reviews are positive against 45% of Ginih's.
SmartMoney. ships an update every 3 months, Ginih every 3 weeks. The most recent releases landed on November 4, 2026 and November 11, 2026 respectively.
| Parameter | SmartMoney. | Ginih |
|---|---|---|
| Price | Free | Free |
| Rating | 2.6 (5 ratings) | 4.8 (702 ratings) — better |
| Positive reviews | 0.0% of reviews | 45.5% of reviews — better |
| Number of ratings | 5 | 702 — better |
| Update frequency | Every 3 months | Every 3 weeks — better |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 11.0 — better | 13.4 |
| Further details — not scored | ||
| Size | 96 MB | 44 MB |
| Age rating | 4+ | 4+ |
| Developer | Lafise | Ginih App, S. L. |
Customer experience
SmartMoney.
Ginih
In-app purchases
SmartMoney.
No in-app purchases
Ginih
No in-app purchases
