# ZA Bank vs FINE Sec

The clearest difference is update cadence: ZA Bank at every 2 weeks against FINE Sec's every 3 months. On price, ads, 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.

ZA Bank ships an update every 2 weeks, FINE Sec every 3 months. The most recent releases landed on November 7, 2026 and November 8, 2026 respectively.

## The numbers

| Metric | ZA Bank | FINE Sec |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (3.8K ratings)](https://appshunter.io/ios/app/za-bank/id1477150600/reviews)** | — |
| Number of ratings | **3.8K** | — |
| Positive reviews | 66.7% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 3 months |
| Monetization | Free | — |
| Size | 258 MB | 205 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [ZA Bank Limited](https://appshunter.io/developer/1477150599) | [FINE SECURITIES LIMITED](https://appshunter.io/developer/1714573348) |

## What reviewers say

### ZA Bank

[App page](https://appshunter.io/ios/app/za-bank/id1477150600)

This regulated digital bank offers a comprehensive suite of financial services, including deposits, loans, foreign exchange, and investment options, all within a single mobile application. Experience fast account opening and a customizable debit card with enhanced security features.

**Highlights:** Deposits and loans, Foreign currency exchange, Local and overseas transfers, Insurance and stocks, Customizable debit card, Fast account opening

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Convenient and easy to use
- 🚀 Fast and efficient services
- 🔒 Secure banking experience
- 💡 Innovative features like FPS registration
- 🤑 Helpful for government cash payout scheme

**What reviewers complain about**

- 🐛 Facial recognition issues
- 🤯 Confusing and cluttered interface
- 🔑 Tedious account verification process
- 🤖 Poor customer service and support
- 🌍 Limited availability outside of Hong Kong

**Reported bugs**

- App crashes during HKID scanning
- Login issues and account lockouts
- Compatibility problems with certain devices

**Requested features**

- Improve facial recognition accuracy
- Simplify and streamline the user interface
- Enhance customer support and communication
- Expand availability to more regions


### FINE Sec

[App page](https://appshunter.io/ios/app/fine-sec/id6502427413)

**In-app purchases:** none


## Frequently asked questions

### Is ZA Bank free?

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

### Is FINE Sec free?

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

### Do ZA Bank or FINE Sec have ads?

Neither ZA Bank nor FINE Sec shows ads.

### Which is updated more often, ZA Bank or FINE Sec?

ZA Bank ships an update every 2 weeks, and FINE Sec every 3 months. Most recently, ZA Bank was updated on November 7, 2026 and FINE Sec on November 8, 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.*