Comparison

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.

Head to head
About

Smart Bank 3/4

Features
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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.

About

BISonline БІЗнес

Features
Read full description

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

Smart Bank 3/44 screens
BISonline БІЗнес4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

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.

Scorecard1 real difference · 5 level
Smart Bank 3/4 versus BISonline БІЗнес: the parameters behind the verdict, then further details
ParameterSmart Bank 3/4BISonline БІЗнес
PriceFreeFree
Update frequencyEvery 3 weeks — betterEvery 5 months
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.515.0 — better
Further details — not scored
Size147 MB96 MB
Age rating4+4+
DeveloperBANK 3/4BISbank

In-app purchases

None

Smart Bank 3/4

No in-app purchases

None

BISonline БІЗнес

No in-app purchases

Questions

Is Smart Bank 3/4 free?
Smart Bank 3/4 is free to download, with no in-app purchases.
Is BISonline БІЗнес free?
BISonline БІЗнес is free to download, with no in-app purchases.
Do Smart Bank 3/4 or BISonline БІЗнес have ads?
Neither Smart Bank 3/4 nor BISonline БІЗнес shows ads.
Which is updated more often, Smart Bank 3/4 or BISonline БІЗнес?
Smart Bank 3/4 ships an update every 3 weeks, and BISonline БІЗнес every 5 months. Most recently, Smart Bank 3/4 was updated on November 3, 2026 and BISonline БІЗнес on November 7, 2026.

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