# EXCH Mobile vs RTN Smart

The clearest difference is ratings volume: EXCH Mobile at 851 against RTN Smart's 6. RTN Smart's advantage is review sentiment (100% vs 88%) and monetization model (free vs ad-supported). On price, rating, ads and in-app purchases there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.9 for EXCH Mobile against 5.0 for RTN Smart. That said, the two scores are not equally well evidenced: EXCH Mobile has 851 ratings behind it against 6, so its average is the more settled of the two. Written reviews are what separate them: 88% of EXCH Mobile's written reviews are positive against 100% of RTN Smart's.

EXCH Mobile ships an update monthly, RTN Smart fortnightly. The most recent releases landed on September 22, 2026 and June 4, 2026 respectively.

## The numbers

| Metric | EXCH Mobile | RTN Smart |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.9 (851 ratings)](https://appshunter.io/ios/app/exch-mobile/id1489238514/reviews) | **[5.0 (6 ratings)](https://appshunter.io/ios/app/rtn-smart/id6446290356/reviews)** |
| Number of ratings | **851** | 6 |
| Positive reviews | 87.5% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Fortnightly** |
| Monetization | Ad-supported | **Free** |
| Size | 179 MB | 125 MB |
| Requires iOS | 18.4 | **13.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [Exchange Bank (GA)](https://appshunter.io/developer/636269649) | [RealTime Networking LLC](https://appshunter.io/developer/1512638367) |

## What reviewers say

### EXCH Mobile

[App page](https://appshunter.io/ios/app/exch-mobile/id1489238514)

Consolidate all your financial accounts into one secure platform. Manage transactions, set alerts, make payments, and deposit checks with ease. This app empowers you to take control of your finances from anywhere.

**Highlights:** Aggregate financial accounts, Organize transactions with tags and notes, Set balance alerts, Make payments and transfer money, Mobile check deposit, Debit card management, View monthly statements

**Features:** Apple Wallet

**In-app purchases:** none


### RTN Smart

[App page](https://appshunter.io/ios/app/rtn-smart/id6446290356)

This app enables quick, secure, and cashless transactions using QR codes. It also offers digital ATM cash withdrawals and a loyalty program for earning rewards and exclusive discounts.

**Highlights:** QR code payments, Contactless transactions, Digital ATM cash withdrawals, Loyalty program, Earn reward points, Exclusive discounts, Send gift cards

**In-app purchases:** none


## Frequently asked questions

### Is EXCH Mobile free?

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

### Is RTN Smart free?

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

### Which has better reviews, EXCH Mobile or RTN Smart?

RTN Smart is rated higher. EXCH Mobile averages 4.9 out of 5 from 851 ratings, while RTN Smart averages 5.0 from 6 ratings.

### Do EXCH Mobile or RTN Smart have ads?

Neither EXCH Mobile nor RTN Smart shows ads.

### Which is updated more often, EXCH Mobile or RTN Smart?

EXCH Mobile ships an update monthly, and RTN Smart fortnightly. Most recently, EXCH Mobile was updated on September 22, 2026 and RTN Smart on June 4, 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.*