# STB Union vs ONE ZERO

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.

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

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.

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.

## The numbers

| Metric | STB Union | ONE ZERO |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (3 ratings)](https://appshunter.io/ios/app/stb-union-money-transfer-app/id1448266502/reviews)** | [3.0 (61 ratings)](https://appshunter.io/ios/app/one-zero/id1554109300/reviews) |
| Number of ratings | 3 | **61** |
| Positive reviews | — | 10.2% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 114 MB | 270 MB |
| Requires iOS | 17.6 | **15.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [STB Union LTD](https://appshunter.io/developer/1448266501) | [ONE ZERO Digital Bank LTD](https://appshunter.io/developer/1522256484) |

## What reviewers say

### STB Union

[App page](https://appshunter.io/ios/app/stb-union-money-transfer-app/id1448266502)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### ONE ZERO

[App page](https://appshunter.io/ios/app/one-zero/id1554109300)

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:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Intuitive and efficient app
- 👍 Bank is good and advanced
- 👍 No unnecessary fees
- 👍 Well-structured package deals

**What reviewers complain about**

- ❌ No English language option
- ❌ Slow and unhelpful support
- ❌ Impossible to transfer money to oneself
- ❌ Annoying promotional notifications
- ❌ Stuck in registration loop

**Reported bugs**

- Stuck in registration loop
- App is often stuck
- App crashes
- Voice verification not working
- Document scanning errors

**Requested features**

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


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*