# finanzen.net zero Secure TAN vs smava

The clearest difference is update cadence: smava at every 3 weeks against finanzen.net zero Secure TAN's every 3 months. finanzen.net zero Secure TAN's advantage is monetization model (free vs ad-supported) and iOS requirement (12.4 vs 16.4). On price, review sentiment, ads and in-app purchases there is nothing between them.

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

finanzen.net zero Secure TAN ships an update every 3 months, smava every 3 weeks. The most recent releases landed on October 29, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | finanzen.net zero Secure TAN | smava |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (10 ratings)](https://appshunter.io/ios/app/finanzennet-zero-secure-tan/id1531074456/reviews)** | — |
| Number of ratings | **10** | — |
| Positive reviews | **30.0% of reviews** | 29.4% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 3 weeks** |
| Monetization | **Free** | Ad-supported |
| Size | 18 MB | 173 MB |
| Requires iOS | **12.4** | 16.4 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 17+ | 4+ |
| Developer | [finanzen.net zero GmbH](https://appshunter.io/developer/1531074458) | [smava GmbH](https://appshunter.io/developer/1146810389) |

## What reviewers say

### finanzen.net zero Secure TAN

[App page](https://appshunter.io/ios/app/finanzennet-zero-secure-tan/id1531074456)

Securely authorize financial transactions and transfers with this app. Register your mobile device to receive push notifications for transaction approvals, streamlining your online banking and trading activities.

**Highlights:** Securely authorize transactions, Approve transfers and other operations, Push notification for approvals, Register multiple devices, Fast and convenient authorization

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

**In-app purchases:** none


### smava

[App page](https://appshunter.io/ios/app/smava/id1629856132)

Easily compare and secure the most affordable loans from over 20 banks. This app offers a SCHUFA-neutral comparison, ensuring your creditworthiness remains unaffected. Securely apply for your desired loan directly within the app with transparent terms and no hidden fees.

**Highlights:** Loan comparison from over 20 banks, SCHUFA-neutral credit check, Secure online loan application, Loan calculator, Customer portal for data synchronization, Günstiger-Geht-Nicht-Garantie

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

**In-app purchases:** none


## Frequently asked questions

### Is finanzen.net zero Secure TAN free?

finanzen.net zero Secure TAN is free to download, with no in-app purchases.

### Is smava free?

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

### Do finanzen.net zero Secure TAN or smava have ads?

Neither finanzen.net zero Secure TAN nor smava shows ads.

### Which is updated more often, finanzen.net zero Secure TAN or smava?

finanzen.net zero Secure TAN ships an update every 3 months, and smava every 3 weeks. Most recently, finanzen.net zero Secure TAN was updated on October 29, 2026 and smava on October 30, 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.*