Comparison

Smart Bank 3/4 vs FlexiPay

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
Read full description

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

FlexiPay

Features
Read full description

FlexiPay – це застосунок, який дозволяє працівникам отримати вже зароблені, але ще не виплачені кошти раніше ніж настане зарплатний день. Він синхронізується із зарплатною системою роботодавця і показує працівнику доступну до зняття частину зарплати станом на сьогодні. Користування FlexiPay для працівника є безкоштовним, що робить його набагато вигіднішим за позики та кредити. Підключіть карту будь-якого банку України та отримуйте частину заробленої зарплати у будь-який день.

Screenshots

Smart Bank 3/44 screens
FlexiPay4 screens

Verdict

The call

Smart Bank 3/4 and FlexiPay are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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, FlexiPay every 2 weeks. The most recent releases landed on October 13, 2026 and October 10, 2026 respectively.

ScorecardNo meaningful differences
Smart Bank 3/4 versus FlexiPay: the parameters behind the verdict, then further details
ParameterSmart Bank 3/4FlexiPay
PriceFreeFree
Update frequencyEvery 3 weeksEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.515.1 — better
Further details — not scored
Size146 MB29 MB
Age rating4+17+
DeveloperBANK 3/4FLEKSIPEI UKRAINA, TOV

In-app purchases

None

Smart Bank 3/4

No in-app purchases

None

FlexiPay

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 FlexiPay free?
FlexiPay is free to download, with no in-app purchases.
Do Smart Bank 3/4 or FlexiPay have ads?
Neither Smart Bank 3/4 nor FlexiPay shows ads.
Which is updated more often, Smart Bank 3/4 or FlexiPay?
Smart Bank 3/4 ships an update every 3 weeks, and FlexiPay every 2 weeks. Most recently, Smart Bank 3/4 was updated on October 13, 2026 and FlexiPay on October 10, 2026.

Other comparisons