Comparison

ONPointe Mobile vs Smart Data

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

Head to head
About

ONPointe Mobile

Manage your business finances with a suite of treasury management tools. View account details, initiate transfers and payments, and prevent check fraud. This app puts powerful financial control in your hands to help you run your business more efficiently.

Highlights
  • View account information and images
  • Initiate account transfers
  • Originate ACH payments
  • Initiate wire transfers
  • Place stop payments
  • Prevent check fraud
Read full description

ONPointe is your comprehensive toolbox for a broad range of Old National Treasury Management solutions. View account information and images, make account transfers, originate ACH payments, initiate wire transfers, place stop payments, help prevent check fraud and more. Let us put the power of your business finances in your hands so you can focus on the more important aspects of running your business. To use ONPointe Mobile, you must be enrolled through Old National Treasury Management. To learn more, visit www.oldnational.com/onpointe. Member FDIC

About

Smart Data

Streamline your business expense reporting on the go. Capture receipts with your phone, add justifications, and manage costs from anywhere. This app is a component of your bank's commercial card program.

Highlights
  • Review posted corporate Mastercard expenses
  • Add receipts using phone camera
  • Add business justification and allocate costs
  • Group and manage multiple expenses
  • Approve expenses and groups
Features
Read full description

Note: This mobile application needs to be enabled by your bank. Your business happens in lots of places and, these days, it's usually not in your office. With Smart Data, your expense reporting can happen anytime, anywhere, just like your work. With the Smart Data mobile application, you can: * Review all posted expenses associated with your corporate Mastercard * Add receipts captured with your phone's camera eliminating the need to keep track of paper receipts * Add a business justification and allocate costs * Group and manage multiple expenses at once * Manage expenses and groups as an approver Smart Data is a component of Mastercard's Commercial product offerings, which financial institutions provide to their business customers to manage their Commercial Card programs. With the Mastercard Smart Data suite of solutions, organizations can better monitor spending, reduce vendor costs, and maximize efficiency. Smart Data helps companies seamlessly organize, consolidate, manage, and analyze financial data from cards, and cash transactions. Smart Data is a single, scalable, and highly configurable global platform with proven market leadership globally.

Screenshots

ONPointe Mobile3 screens
Smart Data4 screens

Verdict

The call

The clearest difference is rating: Smart Data at 4.4 against ONPointe Mobile's 2.1. Smart Data also leads on update cadence (monthly vs every 8 months) and ratings volume (699 vs 13). ONPointe Mobile's advantage is review sentiment (67% vs 25%). 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

Smart Data holds the better App Store score, 4.4 against 2.1. That said, the two scores are not equally well evidenced: Smart Data has 699 ratings behind it against 13, so its average is the more settled of the two. Written reviews complicate that: 67% of ONPointe Mobile's written reviews are positive against 25% of Smart Data's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

ONPointe Mobile ships an update every 8 months, Smart Data monthly. The most recent releases landed on September 14, 2026 and September 25, 2026 respectively.

Scorecard4 real differences · 6 level
ONPointe Mobile versus Smart Data: the parameters behind the verdict, then further details
ParameterONPointe MobileSmart Data
PriceFreeFree
Rating2.1 (13 ratings)4.4 (699 ratings) — better
Positive reviews66.7% of reviews — better25.0% of reviews
Number of ratings13699 — better
Update frequencyEvery 8 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad
Requires iOS17.017.0
Further details — not scored
Size19 MB63 MB
Age rating4+4+
DeveloperOld National BankMastercard International Incorporated

Customer experience

ONPointe Mobile

All ratings13 ratings
Positive23.1%
Neutral0.0%
Negative76.9%
Written reviews3 reviews
Positive66.7%
Neutral0.0%
Negative33.3%

Smart Data

All ratings699 ratings
Positive85.1%
Neutral3.0%
Negative11.9%
Written reviews16 reviews
Positive25.0%
Neutral0.0%
Negative75.0%

Bugs and requests

ONPointe Mobile

Not enough reviews yet to summarise bugs or requests.

Smart Data

Reported bugs

6 issues
  • Login issues
  • Uploading receipts issues
  • App crashes during receipt import
  • Constant error messages
  • Submitted expenses cannot be edited
Show 1 more
  • Submitting receipts fails frequently

Requested features

8 requests
  • Biometric login (Face ID/fingerprint)
  • Update required notification
  • Storage for pending charge receipts
  • Ability to recognize recurring charges
  • Autofill password functionality
Show 3 more
  • Ability to take receipt picture from app
  • See billing session total/balance
  • Sync submitted receipts with pictures

In-app purchases

None

ONPointe Mobile

No in-app purchases

None

Smart Data

No in-app purchases

Questions

Is ONPointe Mobile free?
ONPointe Mobile is free to download, with no in-app purchases.
Is Smart Data free?
Smart Data is free to download, with no in-app purchases.
Which has better reviews, ONPointe Mobile or Smart Data?
Smart Data is rated higher. ONPointe Mobile averages 2.1 out of 5 from 13 ratings, while Smart Data averages 4.4 from 699 ratings.
Do ONPointe Mobile or Smart Data have ads?
Neither ONPointe Mobile nor Smart Data shows ads.
Which is updated more often, ONPointe Mobile or Smart Data?
ONPointe Mobile ships an update every 8 months, and Smart Data monthly. Most recently, ONPointe Mobile was updated on September 14, 2026 and Smart Data on September 25, 2026.

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