# Memo Bank Authenticator vs SPV

The clearest difference is review sentiment: SPV at 100% against Memo Bank Authenticator's 0%. SPV also leads on update cadence (every 2 weeks vs every 3 months) and iOS requirement (13.0 vs 15.0). Memo Bank Authenticator's advantage is in-app purchases (none vs 2). On price, ads and device support there is nothing between them.

Both are free to download. SPV sells 2 in-app purchases, starting at $0.99 per month. Memo Bank Authenticator asks for nothing beyond the download.

Memo Bank Authenticator ships an update every 3 months, SPV every 2 weeks. The most recent releases landed on October 16, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Memo Bank Authenticator | SPV |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 0.0% of reviews | **100.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 2 weeks** |
| Monetization | **Free** | Freemium |
| Size | 22 MB | 75 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Memo Bank SA](https://appshunter.io/developer/1478649080) | [FABRICE VOLAND](https://appshunter.io/developer/1742046412) |

## 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


### SPV

[App page](https://appshunter.io/ios/app/spv-pay/id6758808080)

Manage volunteer firefighter compensation efficiently. Quickly log activities, track payment statuses, and visualize earnings with detailed dashboards and statistics. Securely sync your data across devices.

**Highlights:** Quick activity logging, Automatic hour and amount calculation, Payment status tracking, Earnings anticipation dashboard, Detailed statistics and graphs, Customizable hourly rates, Secure data synchronization

**Features:** macOS Compatibility

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Mensuel | $0.99 | per month |
| Annuel | $4.99 | per year |


## Frequently asked questions

### Is Memo Bank Authenticator free?

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

### Is SPV free?

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

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

Neither Memo Bank Authenticator nor SPV shows ads.

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

Memo Bank Authenticator ships an update every 3 months, and SPV every 2 weeks. Most recently, Memo Bank Authenticator was updated on October 16, 2026 and SPV 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.*