# ZEN.COM vs BOV 3D Secure

The clearest difference is review sentiment: ZEN.COM at 45% against BOV 3D Secure's 0%. ZEN.COM also leads on rating (4.6 vs 1.0) and update cadence (weekly vs every 28 months). BOV 3D Secure's advantage is iOS requirement (12.0 vs 15.0). 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.

ZEN.COM holds the better App Store score, 4.6 against 1.0. That said, the two scores are not equally well evidenced: ZEN.COM has 637 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 45% of ZEN.COM's written reviews are positive against 0% of BOV 3D Secure's.

ZEN.COM ships an update weekly, BOV 3D Secure every 28 months. The most recent releases landed on September 25, 2026 and September 19, 2026 respectively.

## The numbers

| Metric | ZEN.COM | BOV 3D Secure |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (637 ratings)](https://appshunter.io/ios/app/zencom-multi-currency-wallet/id1505547865/reviews)** | [1.0 (1 ratings)](https://appshunter.io/ios/app/bov-3d-secure/id1556025166/reviews) |
| Number of ratings | **637** | 1 |
| Positive reviews | **44.9% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Weekly** | Every 28 months |
| Monetization | Free | Free |
| Size | 475 MB | 51 MB |
| Requires iOS | 15.0 | **12.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [UAB ZEN.COM](https://appshunter.io/developer/1505547864) | [Bank of Valletta p.l.c.](https://appshunter.io/developer/484470119) |

## What reviewers say

### ZEN.COM

[App page](https://appshunter.io/ios/app/zencom-multi-currency-wallet/id1505547865)

Manage all your finances in one place. Send money, pay bills, shop online with cashback, and protect your purchases. Enjoy fair exchange rates and clear pricing for everyday spending and travel.

**Highlights:** Digital mobile wallet, Debit cards and transfers, Instant cashback deals, Purchase protection, Multi-currency account, Contactless payments, Send money

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

**In-app purchases:** none


### BOV 3D Secure

[App page](https://appshunter.io/ios/app/bov-3d-secure/id1556025166)

Secure your online purchases with a Bank of Valletta debit or credit card. Enroll your card once and authenticate transactions via passcode or fingerprint. Handles situations with no internet reception by using QR codes.

**Highlights:** Online purchase authentication, Card enrollment, Passcode authentication, Biometric (fingerprint) authentication, QR code authentication for offline use, Push notifications for transactions

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is ZEN.COM free?

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

### Is BOV 3D Secure free?

BOV 3D Secure is free to download, with no in-app purchases.

### Which has better reviews, ZEN.COM or BOV 3D Secure?

ZEN.COM is rated higher. ZEN.COM averages 4.6 out of 5 from 637 ratings, while BOV 3D Secure averages 1.0 from 1 ratings.

### Do ZEN.COM or BOV 3D Secure have ads?

Neither ZEN.COM nor BOV 3D Secure shows ads.

### Which is updated more often, ZEN.COM or BOV 3D Secure?

ZEN.COM ships an update weekly, and BOV 3D Secure every 28 months. Most recently, ZEN.COM was updated on September 25, 2026 and BOV 3D Secure on September 19, 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.*