# HB Direct vs Ratifi

The clearest difference is review sentiment: Ratifi at 100% against HB Direct's 0%. Ratifi also leads on rating (5.0 vs 2.9) and update cadence (every 2 weeks vs every 13 months). HB Direct's advantage is in-app purchases (none vs 3). On price, ratings volume, ads and monetization model there is nothing between them.

Both are free to download. Ratifi sells 3 one-off in-app purchases. HB Direct asks for nothing beyond the download.

Ratifi holds the better App Store score, 5.0 against 2.9. Both are backed by a comparable volume of ratings — 11 and 6 respectively. Written reviews point the same way: 0% of HB Direct's written reviews are positive against 100% of Ratifi's.

HB Direct ships an update every 13 months, Ratifi every 2 weeks. The most recent releases landed on September 21, 2026 and October 10, 2026 respectively.

## The numbers

| Metric | HB Direct | Ratifi |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.9 (11 ratings)](https://appshunter.io/ios/app/hb-direct/id1495386989/reviews) | **[5.0 (6 ratings)](https://appshunter.io/ios/app/ratifi-contract-analyzer/id6761587826/reviews)** |
| Number of ratings | **11** | 6 |
| Positive reviews | 0.0% of reviews | **100.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 13 months | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 12 MB | 50 MB |
| Requires iOS | 16.6 | **15.1** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Heritage Bank](https://appshunter.io/developer/468086130) | [Ratifi LLC](https://appshunter.io/developer/1890364592) |

## What reviewers say

### HB Direct

[App page](https://appshunter.io/ios/app/hb-direct/id1495386989)

Safely access and manage your business accounts on the go. Initiate payments, view balances and activity, transfer funds, and make mobile deposits with this secure mobile banking solution.

**Highlights:** Initiate and approve payments, View account balances, View account activity, Transfer funds, Make mobile deposits

**Features:** macOS Compatibility

**In-app purchases:** none


### Ratifi

[App page](https://appshunter.io/ios/app/ratifi-contract-analyzer/id6761587826)

Instantly understand complex contracts with AI. Upload or photograph documents to get a clear, plain-English breakdown of fees, true costs, and negotiation points. Receive a risk score and actionable advice before you sign.

**Highlights:** AI-powered contract breakdown, Plain-English explanations, Hidden fee detection, True cost calculation, Negotiation tips, Risk score analysis, AI chat for follow-up questions

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 1 Analysis Credit | $1.99 | one-time |
| 5 Analysis Credits | $4.99 | one-time |
| 3 Analysis Credits | $4.99 | one-time |


## Frequently asked questions

### Is HB Direct free?

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

### Is Ratifi free?

Ratifi is free to download, with in-app purchases available.

### Which has better reviews, HB Direct or Ratifi?

Ratifi is rated higher. HB Direct averages 2.9 out of 5 from 11 ratings, while Ratifi averages 5.0 from 6 ratings.

### Do HB Direct or Ratifi have ads?

Neither HB Direct nor Ratifi shows ads.

### Which is updated more often, HB Direct or Ratifi?

HB Direct ships an update every 13 months, and Ratifi every 2 weeks. Most recently, HB Direct was updated on September 21, 2026 and Ratifi on October 10, 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.*