Smart Bank 3/4 vs FlexiPay
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.
FlexiPay
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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
Verdict
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
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, FlexiPay every 2 weeks. The most recent releases landed on October 13, 2026 and October 10, 2026 respectively.
| Parameter | Smart Bank 3/4 | FlexiPay |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 3 weeks | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.5 | 15.1 — better |
| Further details — not scored | ||
| Size | 146 MB | 29 MB |
| Age rating | 4+ | 17+ |
| Developer | BANK 3/4 | FLEKSIPEI UKRAINA, TOV |
In-app purchases
Smart Bank 3/4
No in-app purchases
FlexiPay
No in-app purchases









