# BW vs KaratExchange

The clearest difference is ads: BW at none against KaratExchange's shown. KaratExchange's advantage is update cadence (every 4 weeks vs every 3 months) and iOS requirement (13.0 vs 16.0). On price, in-app purchases and device support 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, KaratExchange every 4 weeks. The most recent releases landed on November 6, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | BW | KaratExchange |
| --- | --- | --- |
| 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 | 20.4% of reviews | — |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 3 months | **Every 4 weeks** |
| Monetization | Free | — |
| Size | 25 MB | 25 MB |
| Requires iOS | 16.0 | **13.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Baden-Württembergische Bank](https://appshunter.io/developer/377691163) | [Hasan Can Cesur](https://appshunter.io/developer/1894684730) |

## 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


### KaratExchange

[App page](https://appshunter.io/ios/app/karatexchange/id6762562250)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is BW free?

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

### Is KaratExchange free?

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

### Do BW or KaratExchange have ads?

KaratExchange shows ads; BW does not.

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

BW ships an update every 3 months, and KaratExchange every 4 weeks. Most recently, BW was updated on November 6, 2026 and KaratExchange on November 5, 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.*