# Clave Virtual vs Tarjetas Monge

The clearest difference is rating: Clave Virtual at 1.8 against Tarjetas Monge's 1.0. Clave Virtual also leads on review sentiment (20% vs 0%) and ratings volume (20 vs 1). Tarjetas Monge's advantage is update cadence (every 3 weeks vs every 5 months). On price, ads, in-app purchases and monetization model there is nothing between them.

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

Clave Virtual holds the better App Store score, 1.8 against 1.0. That said, the two scores are not equally well evidenced: Clave Virtual has 20 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 20% of Clave Virtual's written reviews are positive against 0% of Tarjetas Monge's.

Clave Virtual ships an update every 5 months, Tarjetas Monge every 3 weeks. The most recent releases landed on October 24, 2026 and October 23, 2026 respectively.

## The numbers

| Metric | Clave Virtual | Tarjetas Monge |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[1.8 (20 ratings)](https://appshunter.io/ios/app/clave-virtual/id1485257123/reviews)** | [1.0 (1 ratings)](https://appshunter.io/ios/app/tarjetas-monge/id1548033998/reviews) |
| Number of ratings | **20** | 1 |
| Positive reviews | **20.0% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 28 MB | 51 MB |
| Requires iOS | **11.0** | 16.4 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Banco de Costa Rica](https://appshunter.io/developer/960764671) | [Pay Tech Solutions](https://appshunter.io/developer/1413992125) |

## What reviewers say

### Clave Virtual

[App page](https://appshunter.io/ios/app/clave-virtual/id1485257123)

This mobile application enables users to securely authorize transactions made through digital channels of the Banco de Costa Rica. It provides a safe method for verifying financial activities conducted online.

**Highlights:** Secure transaction authorization, Digital channel integration, Mobile device compatibility, Banco de Costa Rica services

**Features:** macOS Compatibility

**In-app purchases:** none


### Tarjetas Monge

[App page](https://appshunter.io/ios/app/tarjetas-monge/id1548033998)

Manage and check your Monge cards from Grupo Monge. This app allows for self-management and easy access to your card information.

**Highlights:** Card self-management, Card information consultation, Grupo Monge card support

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Clave Virtual free?

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

### Is Tarjetas Monge free?

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

### Which has better reviews, Clave Virtual or Tarjetas Monge?

Clave Virtual is rated higher. Clave Virtual averages 1.8 out of 5 from 20 ratings, while Tarjetas Monge averages 1.0 from 1 ratings.

### Do Clave Virtual or Tarjetas Monge have ads?

Neither Clave Virtual nor Tarjetas Monge shows ads.

### Which is updated more often, Clave Virtual or Tarjetas Monge?

Clave Virtual ships an update every 5 months, and Tarjetas Monge every 3 weeks. Most recently, Clave Virtual was updated on October 24, 2026 and Tarjetas Monge on October 23, 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.*