# OneBank vs Nio Digital

The clearest difference is rating: OneBank at 4.8 against Nio Digital's 4.5. On price, ratings volume, update cadence and ads there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

OneBank holds the better App Store score, 4.8 against 4.5. Both are backed by a comparable volume of ratings — 5 and 2 respectively.

Both ship on a similar rhythm, roughly monthly. The most recent releases landed on October 7, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | OneBank | Nio Digital |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (5 ratings)](https://appshunter.io/ios/app/onebank/id1477528734/reviews)** | [4.5 (2 ratings)](https://appshunter.io/ios/app/nio-digital/id1634815541/reviews) |
| Number of ratings | **5** | 2 |
| Positive reviews | 25.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | Monthly |
| Monetization | Free | Free |
| Size | 75 MB | 43 MB |
| Requires iOS | 15.6 | **15.5** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [PROFINTACH - OneBank](https://appshunter.io/developer/1477528733) | [Nio Digital](https://appshunter.io/developer/1634815543) |

## What reviewers say

### OneBank

[App page](https://appshunter.io/ios/app/onebank/id1477528734)

Manage your finances with a 100% digital bank account. Easily pay bills, receive payments, and make secure transfers. Load your prepaid card and make payments with QR Code technology.

**Highlights:** Digital bank account, Bill payments, Payment reception, Secure transfers, Prepaid card loading, QR Code payments

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

**In-app purchases:** none


### Nio Digital

[App page](https://appshunter.io/ios/app/nio-digital/id1634815541)

This app offers a secured credit card with no annual fees and reduced interest rates, exclusively for affiliated users. It's available for individuals with negative credit and includes the Mastercard Surpreenda benefits program.

**Highlights:** Secured credit card, No annual fees, Reduced interest rates, Exclusive for affiliated users, Available for negative credit, Mastercard Surpreenda benefits

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

**In-app purchases:** none


## Frequently asked questions

### Is OneBank free?

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

### Is Nio Digital free?

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

### Which has better reviews, OneBank or Nio Digital?

OneBank is rated higher. OneBank averages 4.8 out of 5 from 5 ratings, while Nio Digital averages 4.5 from 2 ratings.

### Do OneBank or Nio Digital have ads?

Neither OneBank nor Nio Digital shows ads.

### Which is updated more often, OneBank or Nio Digital?

OneBank ships an update monthly, and Nio Digital monthly. Most recently, OneBank was updated on October 7, 2026 and Nio Digital on October 24, 2026.

---

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