Comparison

STB Union vs ONE ZERO

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

STB Union

Easily send money worldwide and manage multiple currencies with a free digital wallet and a prepaid Visa card. Enjoy secure transfers, real-time tracking, and convenient currency exchange. Top up your card with cash, credit, or bank transfer.

Highlights
  • Worldwide money transfers
  • Free multi-currency wallet
  • Prepaid Visa card issuance
  • Real-time transaction tracking
  • Low rates and no hidden fees
  • Currency exchange 24/7
  • Cash pickup transfers
Features
Read full description

Worldwide & local money transfers, FREE multi-currency STB WALLET, Pre-paid STB VISA CARD Issue - All in the friendly app. Transfer, store, exchange currency, receive salary & pay with your VISA card all over the world – Anytime, Anywhere! Send money from Israel to family & friends around the world: Ukraine, Georgia, Russia, Moldova, Uzbekistan, the Philippines, USA, Europe, Asia, Africa & more! • FREE Multi-Currency STB WALLET for everyone! • Send money abroad - in a few minutes • Real time transaction status tracking • Enjoy low rates & no hidden fees • Shekel, Dollar, Euro currency exchange 24/7 at the best rate • Monitor operations history through in-app analytics • Send Cash Pick-up transfers to many locations worldwide • Make transfers to Israeli bank accounts • Receive transfers directly to your account • Easy, Safe, & Secure app control • Issue a pre-paid STB VISA CARD with full control in the app • More than 70 branches all across Israel - Deposit cash to your account at one of our 70+ STB Branches all across Israel • Need help? Our customer support is ready to help on the App, on the Phone & on WhatsApp STB WALLET is free & convenient: • STB Wallet maintenance is free of charge • Multi currency: Shekel, Dollar & Euro • Store money safely & securely in the app • Receive transfers to your wallet • Receive your salaries to your wallet • Exchange currency 24/7 at the best rate • Quickly send money abroad or to a bank account in Israel • Instant Transfers: Send money to other STB Wallet holders instantly & for free Get a Pre-Paid STB VISA CARD & Enjoy financial freedom without limits: • Shop Anywhere - online & in stores all around the world • Top up by Cash, Credit Card, Bank Transfer (No fee) or Salary • Multi Currency - Shekel, Dollar & Euro • Easy Cash Access - Withdraw from any ATM in Israel or abroad • Receive money transfers directly in the app • Exchange currency 24/7 at the best rate • Total Control of your card - freeze/unfreeze & Monitor operations history in the app • Instant Transfers: Send money to other STB VISA CARD holders instantly & for free • Shopping while travelling - Manage your budget while on vacation Registration is simple, without a bank account - All you need is a passport \ Israeli ID & a phone. 1. Download the STB Union app. 2. Order your STB VISA card via the app. 3. Receive it at one of our branches or via courier. Need help? Our dedicated customer support is available via Call or Chat: Full all-around support in Hebrew, English & Russian in the app chat, on WhatsApp: 052-229-2080, Or by phone: 03-944-4407

About

ONE ZERO

This digital bank offers fair, transparent, and affordable banking with high-interest deposits and a unique credit card with no foreign currency fees. It provides investment options, business tools, and consolidated account management, all accessible through a user-friendly app. AI and human support are available.

Highlights
  • High-interest deposits
  • No foreign currency fees on credit card
  • Investment options
  • Consolidated account management
  • AI personal banker
  • Business tools
Features
Read full description

מעל 190,000 לקוחות כבר נהנים מבנקאות הוגנת, שקופה ומשתלמת בבנק הדיגיטלי הראשון בישראל – ONE ZERO. אפשר להצטרף תוך 7 דקות וליהנות מתנאים מעולים והטבות מיוחדות, עם חיסכון של עד אלפי שקלים בשנה. מה מקבלים בבנק ONE ZERO? - פיקדונות בריבית הגבוהה בישראל - כרטיס האשראי היחיד בישראל ללא עמלת מט״ח בחשבונות One* - חבילת ONE travel הכוללת חבילות גלישה וביטוח נסיעות לחו״ל מתנה למחזיקי כרטיס האשראי של ONE ZERO - אפשרות למסלול השקעות בני״ע ללא תשלום בחשבון One+* - השקעות בשוק ההון ללא דמי משמרת וללא עמלת המרת מט״ח בחשבונות One - פיצ׳רים ייחודיים למסחר בשוק ההון בחשבונות One - מסחר בשוק ההון ישירות מהאפליקציה - העברות זה״ב מיידיות מהחשבון ללא עלות בחשבונות One - העברה בנקאית ללא הגבלה בכל החשבונות - כלים ייחודיים לעסקים קטנים ועצמאים - ריכוז כל החשבונות והכרטיסים מכל הבנקים/חברות האשראי במקום אחד (חשבונות One)* - סריקה יומית של חשבון הבנק והכרטיס לזיהוי הזדמנויות וחיובים כפולים בחשבונות One - צוות בנקאים ומומחים פיננסיים שזמין לך בטלפון/צ'אט בשעות הפעילות - שירות פרסונלי 24/7 כולל בלילות ובשבת באמצעות Ella, בנקאית AI אישית שמכירה את החשבון שלך מי יכול לפתוח חשבון בבנק ONE ZERO? בני ובנות 18 ומעלה ללא תושבות מס זרה וללא אזרחות אמריקאית. ניתן לפתוח חשבון פרטי או משותף, כולל עוסק מורשה ולמעט תאגידים. מה צריך בשביל לפתוח חשבון? 7 דקות פנויות, תעודת זהות בתוקף (לא צילום) ומכשיר עם מצלמה ומיקרופון תקינים.

Screenshots

STB Union4 screens
ONE ZERO4 screens

Verdict

The call

The clearest difference is rating: STB Union at 4.7 against ONE ZERO's 3.0. ONE ZERO's advantage is ratings volume (61 vs 3) and update cadence (every 2 weeks vs monthly). On price, ads, in-app purchases and monetization model 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

STB Union holds the better App Store score, 4.7 against 3.0. That said, the two scores are not equally well evidenced: ONE ZERO has 61 ratings behind it against 3, so its average is the more settled of the two.

UpkeepUpdate frequency

STB Union ships an update monthly, ONE ZERO every 2 weeks. The most recent releases landed on November 6, 2026 and November 7, 2026 respectively.

Scorecard4 real differences · 6 level
STB Union versus ONE ZERO: the parameters behind the verdict, then further details
ParameterSTB UnionONE ZERO
PriceFreeFree
Rating4.7 (3 ratings) — better3.0 (61 ratings)
Positive reviews—10.2% of reviews
Number of ratings361 — better
Update frequencyMonthlyEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPod
Requires iOS17.615.0 — better
Further details — not scored
Size114 MB270 MB
Age rating4+4+
DeveloperSTB Union LTDONE ZERO Digital Bank LTD

Customer experience

STB Union

All ratings3 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

ONE ZERO

All ratings61 ratings
Positive45.9%
Neutral4.9%
Negative49.2%
Written reviews49 reviews
Positive10.2%
Neutral2.0%
Negative87.8%

Bugs and requests

STB Union

Not enough reviews yet to summarise bugs or requests.

ONE ZERO

Reported bugs

14 issues
  • Stuck in registration loop
  • App is often stuck
  • App crashes
  • Voice verification not working
  • Document scanning errors
Show 9 more
  • SMS verification loop
  • Chat not working
  • App doesn't work for account opening
  • Registration process errors
  • Unable to activate credit card
  • Login screen freezes
  • Incompatible with older devices
  • App crashes constantly
  • Error loops

Requested features

5 requests
  • Add English language option
  • Improve AI helper
  • Add dark mode
  • Add iPad version
  • Option to provide feedback within the app

In-app purchases

None

STB Union

No in-app purchases

None

ONE ZERO

No in-app purchases

Questions

Is STB Union free?
STB Union is free to download, with no in-app purchases.
Is ONE ZERO free?
ONE ZERO is free to download, with no in-app purchases.
Which has better reviews, STB Union or ONE ZERO?
STB Union is rated higher. STB Union averages 4.7 out of 5 from 3 ratings, while ONE ZERO averages 3.0 from 61 ratings.
Do STB Union or ONE ZERO have ads?
Neither STB Union nor ONE ZERO shows ads.
Which is updated more often, STB Union or ONE ZERO?
STB Union ships an update monthly, and ONE ZERO every 2 weeks. Most recently, STB Union was updated on November 6, 2026 and ONE ZERO on November 7, 2026.

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