# BW vs Retoa

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.

Both are free to download. Retoa sells 1 one-off in-app purchase. BW asks for nothing beyond the download.

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.

## The numbers

| Metric | BW | Retoa |
| --- | --- | --- |
| 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** | Yes |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 4 days** |
| Monetization | Free | — |
| Size | 25 MB | 7 MB |
| Requires iOS | **16.0** | 18.0 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Baden-Württembergische Bank](https://appshunter.io/developer/377691163) | [Noel Weinberg](https://appshunter.io/developer/1823665034) |

## 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


### Retoa

[App page](https://appshunter.io/ios/app/retoa-returns-and-refunds/id6815407279)

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Retoa Pro | $8.99 | one-time |


## Frequently asked 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.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*