# IDFC FIRST Bank vs Smart Plus.

The clearest difference is update cadence: IDFC FIRST Bank at every 2 weeks against Smart Plus.'s every 3 months. IDFC FIRST Bank also leads on ratings volume (3K vs 2). Smart Plus.'s advantage is monetization model (free vs free with in-app purchases) and rating (5.0 vs 4.8). On price, ads, in-app purchases and device support there is nothing between them.

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

Smart Plus. holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: IDFC FIRST Bank has 3K ratings behind it against 2, so its average is the more settled of the two.

IDFC FIRST Bank ships an update every 2 weeks, Smart Plus. every 3 months. The most recent releases landed on September 23, 2026 and September 15, 2026 respectively.

## The numbers

| Metric | IDFC FIRST Bank | Smart Plus. |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (3K ratings)](https://appshunter.io/ios/app/idfc-first-bank-mobilebanking/id1521443352/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/smart-plus/id1665033708/reviews)** |
| Number of ratings | **3K** | 2 |
| Positive reviews | 53.1% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 3 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 248 MB | 87 MB |
| Requires iOS | 17.0 | **15.6** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [IDFC FIRST BANK LTD](https://appshunter.io/developer/1090320551) | [Steel City Securities Limited](https://appshunter.io/developer/1435142703) |

## What reviewers say

### IDFC FIRST Bank

[App page](https://appshunter.io/ios/app/idfc-first-bank-mobilebanking/id1521443352)

Manage your finances with a comprehensive mobile banking app. Perform instant payments, track expenses, build wealth through investments, and access loans and insurance. Enjoy zero-fee banking services and personalized offers.

**Highlights:** One-Swipe Banking for account management, Instant payments and UPI transfers, Zero fee banking services, Expense tracking and categorization, Investment portfolio management, Instant personal loans, In-app flight & hotel booking

**In-app purchases:** none

**What reviewers like**

- 👍 Convenient mobile banking
- 🚀 Fast and smooth app experience
- 💡 Useful features like bulk transfers
- 👍 Excellent user interface and navigation

**What reviewers complain about**

- 🐛 Frequent app crashes and bugs
- 🔒 Mandatory SIM binding issues for NRI users
- 👎 Poor customer service, especially for NRI accounts
- 🐛 Compatibility issues with newer devices and OS versions

**Reported bugs**

- Login screen freezes and infinite loops
- App not working on WiFi, only on mobile data
- Issues with adding payees and transferring funds
- Notifications and app updates not working properly

**Requested features**

- Display exchange rates for NRE/NRO account transfers
- Add support for iPads and larger screen devices
- Improve security without compromising user experience
- Provide better options for international customers


### Smart Plus.

[App page](https://appshunter.io/ios/app/smart-plus/id1665033708)

Buy and sell stocks with real-time quotes and updates. This finance app allows trading in equity, commodity, currency, and futures & options, with convenient online fund transfers. Access expert research and analysis on the go.

**Highlights:** Real-time stock quotes, Equity, Commodity, Currency, F&O trading, Online fund transfers, Expert research and analysis, Mobile trading on the go

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

**In-app purchases:** none


## Frequently asked questions

### Is IDFC FIRST Bank free?

IDFC FIRST Bank is free to download, with no in-app purchases.

### Is Smart Plus. free?

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

### Which has better reviews, IDFC FIRST Bank or Smart Plus.?

Smart Plus. is rated higher. IDFC FIRST Bank averages 4.8 out of 5 from 3K ratings, while Smart Plus. averages 5.0 from 2 ratings.

### Do IDFC FIRST Bank or Smart Plus. have ads?

Neither IDFC FIRST Bank nor Smart Plus. shows ads.

### Which is updated more often, IDFC FIRST Bank or Smart Plus.?

IDFC FIRST Bank ships an update every 2 weeks, and Smart Plus. every 3 months. Most recently, IDFC FIRST Bank was updated on September 23, 2026 and Smart Plus. on September 15, 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.*