RATO vs Hofi
Price, ratings, monetisation and update history for both apps, side by side ā with what reviewers say about each.
RATO
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RATO is a secure and easy-to-use app for your domestic and SEPA payments. Get started in just a few minutes and immediately have full control of your finances. With RATO your payments are simple, fast and secure. Release features: ⢠European IBAN account ⢠SEPA payments ⢠Instant access to account balance information ⢠Detailed account statements with full transaction history of operations ⢠Payment details ⢠List of payees ⢠Access to your accounts 24/7
Hofi
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Hofi combines the best of global financial platforms, offering users an unparalleled experience in digital banking and international transfers. Our platform is designed for the modern user who seeks efficiency, transparency, and flexibility. International Money Transfers: Send and receive funds globally with minimal fees and real-time exchange rates. Security: With state-of-the-art encryption and security protocols, your money and data are always safe with Hofi. Mobile App: Access all Hofi features on-the-go with our sleek and intuitive mobile application.
Screenshots
Verdict
The clearest difference is update cadence: Hofi at every 2 months against RATO's every 6 months. RATO's advantage is iOS requirement (13.0 vs 15.0). On price, ads, in-app purchases and device support there is nothing between them.
Scored on Price Ā· Rating Ā· Positive reviews Ā· Number of ratings Ā· Update frequency Ā· Ads Ā· In-app purchases Ā· Monetization Ā· Best chart rank Ā· Devices Ā· Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
RATO ships an update every 6 months, Hofi every 2 months. The most recent releases landed on October 25, 2026 and October 27, 2026 respectively.
| Parameter | RATO | Hofi |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 6 months | Every 2 months ā better |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 ā better | 15.0 |
| Further details ā not scored | ||
| Size | 68 MB | 192 MB |
| Age rating | 4+ | 4+ |
| Developer | FORBIS, UAB | FINANCIAL HOUSE UAB |
In-app purchases
RATO
No in-app purchases
Hofi
No in-app purchases








