# BW vs Instabank

The clearest difference is review sentiment: BW at 42% against Instabank's 19%. 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.

BW ships an update every 3 months, Instabank every 2 months. The most recent releases landed on September 18, 2026 and September 21, 2026 respectively.

## The numbers

| Metric | BW | Instabank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[1.0 (1 ratings)](https://appshunter.io/ios/app/bw-secure-mit-3d-secure/id1476519943/reviews)** | — |
| Number of ratings | **1** | — |
| Positive reviews | **42.3% of reviews** | 18.8% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 2 months** |
| Monetization | Free | Free |
| Size | 25 MB | 142 MB |
| Requires iOS | **16.0** | 17.0 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Baden-Württembergische Bank](https://appshunter.io/developer/377691163) | [Instabank ASA](https://appshunter.io/developer/1591554969) |

## What reviewers say

### BW

[App page](https://appshunter.io/ios/app/bw-secure-mit-3d-secure/id1476519943)

Securely authorize online credit card payments directly from your smartphone. Avoid fraud with this convenient and easy-to-use payment verification tool.

**Highlights:** Secure online payment authorization, Convenient in-app verification, Protection against credit card fraud, Easy registration via QR code, Supports Mastercard Identity Check™, Supports Visa Secure

**Features:** Vision Pro support

**In-app purchases:** none


### 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 BW free?

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

### Is Instabank free?

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

### Do BW or Instabank have ads?

Neither BW nor Instabank shows ads.

### Which is updated more often, BW or Instabank?

BW ships an update every 3 months, and Instabank every 2 months. Most recently, BW was updated on September 18, 2026 and Instabank on September 21, 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.*