# TARGOBANK Banking vs Instabank

The clearest difference is review sentiment: TARGOBANK Banking at 75% against Instabank's 19%. TARGOBANK Banking also leads on iOS requirement (15.0 vs 17.0). 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.

Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on October 26, 2026 and October 27, 2026 respectively.

## The numbers

| Metric | TARGOBANK Banking | Instabank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (458 ratings)](https://appshunter.io/ios/app/targobank-banking/id1441312370/reviews)** | — |
| Number of ratings | **458** | — |
| Positive reviews | **74.6% of reviews** | 18.8% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | Every 2 months |
| Monetization | Free | Free |
| Size | 153 MB | 142 MB |
| Requires iOS | **15.0** | 17.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [TARGOBANK AG](https://appshunter.io/developer/1441312369) | [Instabank ASA](https://appshunter.io/developer/1591554969) |

## What reviewers say

### TARGOBANK Banking

[App page](https://appshunter.io/ios/app/targobank-banking/id1441312370)

Manage your bank accounts, credit cards, and investments conveniently from your smartphone. This app offers secure transaction approvals, transaction history search, and budgeting tools. It also provides features for cash services, branch/ATM locators, and secure digital communication with the bank.

**Highlights:** Account overview and transaction history, Domestic payment transactions, Transaction search and digital household book, Push notifications for important transactions, Cash deposit and withdrawal services, Branch and ATM locator with navigation, Secure digital communication with bank

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly and clear
- 🚀 Fast and efficient
- ✨ Well-structured and organized
- ✅ Reliable and stable
- 💬 Good customer service

**What reviewers complain about**

- ❌ Limited language options (no English)
- 🐛 Push notifications not working
- ⏳ Delayed transaction entries (Visa)
- 🤔 Inconsistent category assignment in budget book
- 🗄️ iPad app not optimized

**Reported bugs**

- Push notifications not working after update
- Visa credit card entries delayed by 2-4 days
- Category changes in budget book apply to multiple entries
- iPad app only works in iPhone mode
- Cannot login for a month due to T-PIN issues

**Requested features**

- Add English language option
- Implement photo transfer for payments
- Enable QR code scanning for payments
- Allow PDF import for payments
- Add Apple Pay support


### Instabank

[App page](https://appshunter.io/ios/app/instabank/id1596029376)

Manage your finances with a comprehensive overview of transactions, invoices, and balances. Make payments, transfer funds, and apply for credit or loans easily. Access secure self-service options and bank messages.

**Highlights:** Full account overview, Transaction and invoice tracking, Bill payments and money transfers, Loan and credit applications, Secure login with biometrics, Bank message inbox

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is TARGOBANK Banking free?

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

### Is Instabank free?

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

### Do TARGOBANK Banking or Instabank have ads?

Neither TARGOBANK Banking nor Instabank shows ads.

### Which is updated more often, TARGOBANK Banking or Instabank?

TARGOBANK Banking ships an update every 2 months, and Instabank every 2 months. Most recently, TARGOBANK Banking was updated on October 26, 2026 and Instabank on October 27, 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.*