# SmartMoney. vs Ginih

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.

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.

## The numbers

| Metric | SmartMoney. | Ginih |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.6 (5 ratings)](https://appshunter.io/ios/app/smartmoney/id1408882586/reviews) | **[4.8 (702 ratings)](https://appshunter.io/ios/app/ginih/id1487547398/reviews)** |
| Number of ratings | 5 | **702** |
| Positive reviews | 0.0% of reviews | **45.5% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 3 months | **Every 3 weeks** |
| Monetization | Ad-supported | **Free** |
| Size | 96 MB | 44 MB |
| Requires iOS | **11.0** | 13.4 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Lafise](https://appshunter.io/developer/506196965) | [Ginih App, S. L.](https://appshunter.io/developer/1547625126) |

## What reviewers say

### 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


### Ginih

[App page](https://appshunter.io/ios/app/ginih/id1487547398)

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.

**Highlights:** Pay bills, installments, and loans, 24/7 payment access, Payment reminders, Payment history, Share payment links, Connect customer accounts, Scan QR codes for payment

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is SmartMoney. free?

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

### Is Ginih free?

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

### Which has better reviews, SmartMoney. or Ginih?

Ginih is rated higher. SmartMoney. averages 2.6 out of 5 from 5 ratings, while Ginih averages 4.8 from 702 ratings.

### Do SmartMoney. or Ginih have ads?

SmartMoney. shows ads; Ginih does not.

### Which is updated more often, SmartMoney. or Ginih?

SmartMoney. ships an update every 3 months, and Ginih every 3 weeks. Most recently, SmartMoney. was updated on November 4, 2026 and Ginih on November 11, 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.*