Comparison

Spar Key vs IVA app

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

Head to head
About

Spar Key

Features
Read full description

Sparkasse Bank Malta plc has released an Authentication Application that has removed the need for a physical token to be used when accessing and transacting on your account(s) using the Bank’s Online Banking System. Spar Key enables a more secure and efficient environment for Sparkasse Bank Malta plc’s clients throughout the following processes: • Logging-in into the Bank’s Online Banking System; • Authorising the release of Payment Instructions; and • Authorising the release of Securities related orders. Spar Key has been developed in compliance with the requirements on Strong Customer Authentication stemming from ‘the EU’s Payment Services Directive II (PSD II)’.

About

IVA app

Features
Read full description

Manage all your financial protection and long-term savings in one secure place. IVAapp gives you convenient, real-time access to your Life Insurance, Pension Plans and Savings Plans — helping you stay informed and in control of your financial future. Designed for simplicity and transparency, IVAapp makes it easy to view policy information, monitor performance and keep your personal details up to date — anytime, anywhere. Key Features: Pension Plans Stay fully informed about your retirement savings with clear and accessible insights: • View the latest pension values • Track performance history over time • Monitor how your pension is allocated across investment strategies • View balances within Pension Accounts and Access Accounts • Access all key policy details in one place Understand how your pension is progressing and support better long-term retirement planning. Life Insurance Plans Access important information about your protection policies whenever you need it: • View policy details and coverage information • Check the status of premium payments • Monitor the current sum insured for decreasing term policies • Access your policy documents Stay confident knowing your cover details are always available. Savings Plans Easily manage your savings and investment products: • View details of lump sum investments and progress • Access regular premium savings plans • Review policy information in a clear and simple format Whether saving regularly or investing a one-time amount, your plans are always within reach. Personal Profile & Contact Details Keep your information accurate and up to date: • View your personal details • Access contact information • View your registered address Ensure your details remain current for seamless communication. Secure & Convenient Access • Access your policies anytime, anywhere • Secure environment to protect your personal information • Clear overview of all your financial products in one app IVAapp provides a simple and secure way to stay connected to your financial plans — helping you make informed decisions for today and the future.

Screenshots

Spar Key4 screens
IVA app4 screens

Verdict

The call

The clearest difference is update cadence: IVA app at daily against Spar Key's every 19 months. Spar Key's advantage is device support (3 vs 1) and iOS requirement (12.4 vs 16.0). On price, ads and in-app purchases 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.

UpkeepUpdate frequency

Spar Key ships an update every 19 months, IVA app daily. The most recent releases landed on October 26, 2026 and October 28, 2026 respectively.

Scorecard3 real differences · 3 level
Spar Key versus IVA app: the parameters behind the verdict, then further details
ParameterSpar KeyIVA app
PriceFreeFree
Update frequencyEvery 19 monthsDaily — better
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS12.4 — better16.0
Further details — not scored
Size44 MB56 MB
Age rating4+17+
DeveloperSparkasse Bank Malta plcIVALIFE Insurance Limited

In-app purchases

None

Spar Key

No in-app purchases

None

IVA app

No in-app purchases

Questions

Is Spar Key free?
Spar Key is free to download, with no in-app purchases.
Is IVA app free?
IVA app is free to download, with no in-app purchases.
Do Spar Key or IVA app have ads?
Neither Spar Key nor IVA app shows ads.
Which is updated more often, Spar Key or IVA app?
Spar Key ships an update every 19 months, and IVA app daily. Most recently, Spar Key was updated on October 26, 2026 and IVA app on October 28, 2026.

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