Smart Bank 3/4 vs BISonline БІЗнес
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Smart Bank 3/4
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Smart Bank 3/4 is mobile banking from the Ukrainian commercial bank JSC "BANK 3/4". The application is designed for modern clients who want to receive banking services on their smartphone and manage their finances without visiting a bank branch. As a client of the Bank, you get: • convenient authorization, Touch ID or Face ID login; • protection of OTP transactions – with a password (temporary confirmation code); • 24/7 support in chat or by phone number; • open a current account with the issuance of a virtual card to it; • monitor the status of all your accounts (card, current, deposit); • make instant transfers using card details (P2P) and payments using IBAN details; • create templates for regular payments; • view payment history; • manage your card: - block/unblock cards; - set individual spending limits; • make payments using Apple Pay.
BISonline БІЗнес
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BIS online БІЗнес is a safe and effective tool for managing business finances from anywhere in the world for SME and legal entities. Key features of BIS online БІЗнес: - Quick authorization by biometric data - Accounts: view balances and transactions, display active or selected accounts, form and send details - Statements of the formation of statements and sending receipts by account in .pdf, .xls formats - Payments in national currency (creation, review) - Templates: View a list of current templates and create new templates - Security change of temporary password for login, confirmation of operations using auto-completion of OTP code from SMS message, receipt of informational push notifications, review of the reason for payment rejection For your convenience, we continue to work on expanding the functionality of the program to make managing your business even more comfortable. Therefore, the following releases will be available: Manage of corporate cards: viewing the list and information on cards; view transactions and their details; Additional settings (blocking the card, changing limits, disabling online payment). Send feedback, ideas and suggestions to info@bisbank.com.ua
Screenshots
Verdict
The clearest difference is update cadence: Smart Bank 3/4 at every 3 weeks against BISonline БІЗнес's every 5 months. On price, ads, in-app purchases and device support there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Smart Bank 3/4 ships an update every 3 weeks, BISonline БІЗнес every 5 months. The most recent releases landed on November 3, 2026 and November 7, 2026 respectively.
| Parameter | Smart Bank 3/4 | BISonline БІЗнес |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 3 weeks — better | Every 5 months |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.5 | 15.0 — better |
| Further details — not scored | ||
| Size | 147 MB | 96 MB |
| Age rating | 4+ | 4+ |
| Developer | BANK 3/4 | BISbank |
In-app purchases
Smart Bank 3/4
No in-app purchases
BISonline БІЗнес
No in-app purchases
Questions
Is Smart Bank 3/4 free?
Is BISonline БІЗнес free?
Do Smart Bank 3/4 or BISonline БІЗнес have ads?
Which is updated more often, Smart Bank 3/4 or BISonline БІЗнес?
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