SmartMoney. vs CrediQ App
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.
CrediQ App
Manage your loans and account balances instantly with this financial tool. Make secure online payments using your credit card and browse available vehicles from the dealership.
- Instant loan balance checks
- Online credit card payments
- View available vehicles
- Account balance inquiries
- Secure payment processing
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CrediQ en Línea le brinda la experiencia a nuestros clientes de poder tener a la mano una herramienta tecnológica, donde podrán consultar de manera inmediata sus préstamos, saldos de su cuota entre otros y pago en línea utilizando su tarjeta de crédito Davivienda. También podrán consultar los vehículos disponibles que tenemos en nuestro autolote.
Screenshots
Verdict
The clearest difference is rating: SmartMoney. at 2.6 against CrediQ App's 2.0. SmartMoney. also leads on iOS requirement (11.0 vs 16.0). CrediQ App's advantage is ads (none vs shown) and monetization model (free vs ad-supported). On price, review sentiment, ratings volume and update cadence 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.
SmartMoney. holds the better App Store score, 2.6 against 2.0. Both are backed by a comparable volume of ratings — 5 and 4 respectively. Written reviews split almost evenly too, at 0% and 0% positive.
SmartMoney. ships an update every 3 months, CrediQ App every 2 months. The most recent releases landed on October 4, 2026 and October 21, 2026 respectively.
| Parameter | SmartMoney. | CrediQ App |
|---|---|---|
| Price | Free | Free |
| Rating | 2.6 (5 ratings) — better | 2.0 (4 ratings) |
| Positive reviews | 0.0% of reviews | 0.0% of reviews |
| Number of ratings | 5 — better | 4 |
| Update frequency | Every 3 months | Every 2 months — better |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 11.0 — better | 16.0 |
| Further details — not scored | ||
| Size | 96 MB | 69 MB |
| Age rating | 4+ | 4+ |
| Developer | Lafise | CREDI Q |
Customer experience
SmartMoney.
CrediQ App
In-app purchases
SmartMoney.
No in-app purchases
CrediQ App
No in-app purchases
