# Smart Bank 3/4 vs FINPAY

Smart Bank 3/4 and FINPAY 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.

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, FINPAY monthly. The most recent releases landed on November 11, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Smart Bank 3/4 | FINPAY |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Monthly |
| Size | 147 MB | 101 MB |
| Requires iOS | **15.5** | 16.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [BANK 3/4](https://appshunter.io/developer/787286695) | [PAYMENT INSTITUTION FIN PAY LLC](https://appshunter.io/developer/1889543560) |

## What reviewers say

### Smart Bank 3/4

[App page](https://appshunter.io/ios/app/smart-bank-34/id1489624693)

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


### FINPAY

[App page](https://appshunter.io/ios/app/finpay/id6761425354)

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Smart Bank 3/4 free?

Smart Bank 3/4 is free to download, with no in-app purchases.

### Is FINPAY free?

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

### Do Smart Bank 3/4 or FINPAY have ads?

Neither Smart Bank 3/4 nor FINPAY shows ads.

### Which is updated more often, Smart Bank 3/4 or FINPAY?

Smart Bank 3/4 ships an update every 3 weeks, and FINPAY monthly. Most recently, Smart Bank 3/4 was updated on November 11, 2026 and FINPAY on October 31, 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.*