Smart Bank 3/4 vs QuietTotal

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.

QuietTotal is a read-only balance viewer for Kraken accounts. Add multiple Kraken accounts and see individual balances, combined totals, and aggregated holdings in one clear dashboard. Designed for privacy and security: • Requests balance information only • Cannot place trades or withdraw funds • API credentials are stored locally in the iOS Keychain • No QuietTotal account or cloud credential service • QR scanning makes API key setup easier • Supports multiple Kraken accounts in one view For setup, use a dedicated Kraken API key with Funds → Query Funds permission only. Leave trading, withdrawals, transfers, deposits, staking/earn, and API-key management disabled. QuietTotal is an independent third-party application and is not affiliated with or endorsed by Kraken. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/