Comparison

BW vs Retoa

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

Head to head
About

BW

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
Read full description

3D-Secure per App: Sicheres bezahlen im Internet Online-Shopping ist nicht nur schnell und bequem, sondern auch sicherer als sein Ruf. Vorausgesetzt, Sie nutzen die empfohlenen Sicherheitsvorkehrungen. +++ Ihre Vorteile +++ - Einfach: Die Registrierung ist in wenigen Schritten erledigt und per QR-Code-Scan in der App möglich. - Bequem: Sie geben jeden Bezahlvorgang direkt in der BW-Secure-App frei. - Sicher: Keine Chance für Kreditkartenbetrug im Internet durch die via App zu bestätigende Zahlungsfreigabe. +++ Der sichere Weg +++ 3D-Secure ist ein international anerkannter Sicherheitsstandard für Kreditkartenzahlungen im Internet: - Für Mastercard-Kreditkarten heißt der Service „Mastercard Identity Check™“ - Für Visa-Kreditkarten heißt dieser Service „Visa Secure“.

About

Retoa

Features
Read full description

Package trackers stop caring the moment your return reaches the store. That is exactly when the waiting starts: will the refund arrive, will it be the full amount, and when should you have followed up? Retoa tracks your money, not the parcel. A return is only done once you have been paid back. The first thing you see is one number: how much money you are still owed. Below it, your returns are grouped by status, from Planned and On its way to Arrived and Refunded. Swipe a return to move it to the next step. Adding a return takes seconds. Enter the amount and the store, and Retoa suggests the store's usual return window. Tracking number, items, receipt and notes are there if you want them. Retoa reminds you when it matters: • three days before a return window closes • when a return has been on its way for a week, so you can check it arrived • when a store still hasn't refunded you 14 days after receiving your return (you can change the timeframe) If you get back less than you expected, Retoa highlights the difference in red, so partial refunds don't slip through and you know exactly what to claim. Your data stays on your iPhone, and Retoa doesn't need an account. There are no ads in the app. RETOA PRO The free version tracks up to five open returns at a time, and completed returns never count. Retoa Pro is a one-time purchase with no subscription and unlocks: • unlimited open returns • the Home Screen and Lock Screen widget with your open total and next deadlines • label scanning, which reads the tracking number from your return label • receipt photos for every return • CSV export of all your returns Pro works with Family Sharing. Questions or ideas? Write to us at retoa@1337-studios.com.

Screenshots

BW4 screens
Retoa4 screens

Verdict

The call

The clearest difference is in-app purchases: BW at none against Retoa's 1. BW also leads on iOS requirement (16.0 vs 18.0). Retoa's advantage is update cadence (every 4 days vs every 3 months). On price, ads and device support 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. Retoa sells 1 one-off in-app purchase. BW asks for nothing beyond the download.

UpkeepUpdate frequency

BW ships an update every 3 months, Retoa every 4 days. The most recent releases landed on November 6, 2026 and October 30, 2026 respectively.

Scorecard3 real differences · 7 level
BW versus Retoa: the parameters behind the verdict, then further details
ParameterBWRetoa
PriceFreeFree
Rating1.0 (1 ratings) — better—
Positive reviews20.4% of reviews—
Number of ratings1 — better—
Update frequencyEvery 3 monthsEvery 4 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPad — betteriPhone
Requires iOS16.0 — better18.0
Further details — not scored
Size25 MB7 MB
Age rating4+4+
DeveloperBaden-Württembergische BankNoel Weinberg

In-app purchases

None

BW

No in-app purchases

1 purchases

Retoa

One-time1
  • Retoa Pro$8.99

Questions

Is BW free?
BW is free to download, with no in-app purchases.
Is Retoa free?
Retoa is free to download, with in-app purchases available.
Do BW or Retoa have ads?
Neither BW nor Retoa shows ads.
Which is updated more often, BW or Retoa?
BW ships an update every 3 months, and Retoa every 4 days. Most recently, BW was updated on November 6, 2026 and Retoa on October 30, 2026.

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