# Memo Bank Authenticator vs Spiko

The clearest difference is review sentiment: Spiko at 100% against Memo Bank Authenticator's 0%. Spiko also leads on update cadence (every 8 days vs every 3 months). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Memo Bank Authenticator ships an update every 3 months, Spiko every 8 days. The most recent releases landed on November 3, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | Memo Bank Authenticator | Spiko |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (1 ratings)](https://appshunter.io/ios/app/spiko/id6758150203/reviews)** |
| Number of ratings | — | **1** |
| Positive reviews | 0.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 8 days** |
| Monetization | Free | Free |
| Size | 22 MB | 70 MB |
| Requires iOS | **15.0** | 16.4 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Memo Bank SA](https://appshunter.io/developer/1478649080) | [Spiko](https://appshunter.io/developer/1871180742) |

## What reviewers say

### Memo Bank Authenticator

[App page](https://appshunter.io/ios/app/memo-bank-authenticator/id1500599670)

This app securely verifies your identity and approves sensitive financial transactions for your account. It's required for accessing your online banking and authorizing actions like logins, password changes, and transfers.

**Highlights:** Account verification, Transaction authorization, Login approval, Password change approval, Wire transfer approval, Beneficiary addition approval, Touch ID/Face ID security

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

**In-app purchases:** none


### Spiko

[App page](https://appshunter.io/ios/app/spiko/id6758150203)

Earn daily interest on your cash with a free account that takes minutes to open. Withdraw funds anytime without fees or penalties, and manage multiple currencies from one app. Ideal for individuals and businesses seeking to maximize their cash returns.

**Highlights:** Daily interest on cash, Free account opening, No withdrawal fees, Multi-currency management, Integrates with accounting tools, Personal and business accounts

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

**In-app purchases:** none


## Frequently asked questions

### Is Memo Bank Authenticator free?

Memo Bank Authenticator is free to download, with no in-app purchases.

### Is Spiko free?

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

### Do Memo Bank Authenticator or Spiko have ads?

Neither Memo Bank Authenticator nor Spiko shows ads.

### Which is updated more often, Memo Bank Authenticator or Spiko?

Memo Bank Authenticator ships an update every 3 months, and Spiko every 8 days. Most recently, Memo Bank Authenticator was updated on November 3, 2026 and Spiko on November 5, 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.*