Bano vs Settle Sys
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Bano
Manage your finances with an all-in-one super app. Spend, request, save, and invest with features like cashback, custom cards, bill splitting, and international money transfers. Access multi-currency accounts and US stock trading with zero brokerage fees.
- Cashback on card transactions
- Customizable physical VISA card
- Split bills and collect payments
- BPAY support for bills and services
- International money transfers
- Multi-currency accounts
- US stock trading with zero brokerage
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Bano - Most Innovative FinTech 2021 (Australia) Spend, request, save and invest through an all-in-one SuperApp. Connect your life with Bano. Bano (ABN 93 643 260 431) is a company registered in Australia, licensed by the Australian Securities and Investments Commission (AFSL No. 536984) and registered with Australian Transaction Analysis and Reporting Centre (AUSTRAC) & Australian Financial Complaints Authority (AFCA). Get Cash Back on Every Card Transaction Receive up to 1.8% cash back when you use your Bano card to pay online/in-store. The more you spend, the more cash back you will receive. Split Bills or Collect Payments from Friends, Families, Housemates etc. Simply enter the phone number or Bano ID of the person you want to collect a payment from and Bano will take care of the rest. Payments can be made through the Bano App or using Apple Pay if the user does not have the app. This means your friends can pay you even if they aren’t a Bano customer. Easy Payments for Bills and Services (BPAY®) Paying rent, electricity bills, or university tuition has never been easier. With BPAY® support, Bano provides fast and convenient payment services using various currencies. Manage Your Account One simple view of your account balance, transactions history, and investment activities. Send and Receive Money to & from Australia or Overseas Easily send and receive money with anyone in or outside of Australia. Bano’s global network connects you to finance account in over 180 countries. Access Multi-Currency Accounts & Remittance Bano supports multi-currency accounts that let you convert FX, send and receive money in 30+ currencies. Competitive FX rates and enjoy the free handling fee. Hands-On Customer Support Reach our customer support team through our socials, email, or the in-app customer service chat (you can find it by clicking the “Profile” button in the top left corner).
Settle Sys
This app helps courier and delivery professionals manage settlements and track records. It allows direct registration without needing a company invitation. Streamline your financial tracking on the go.
- Professional settlement tracking
- Record management for deliveries
- Direct user registration
- No company affiliation required
- Financial tracking for couriers
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Settle Sys is a professional settlement and record-tracking app for courier and delivery professionals. Users can register directly without an invitation or affiliation with a specific company.
Screenshots
Verdict
The clearest difference is rating: Settle Sys at 5.0 against Bano's 3.0. Settle Sys also leads on monetization model (free vs free with in-app purchases) and update cadence (weekly vs every 3 weeks). Bano's advantage is ratings volume (4 vs 1). On price, ads, in-app purchases and device support there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Settle Sys holds the better App Store score, 5.0 against 3.0. Both are backed by a comparable volume of ratings — 4 and 1 respectively.
Bano ships an update every 3 weeks, Settle Sys weekly. The most recent releases landed on September 25, 2026 and September 10, 2026 respectively.
| Parameter | Bano | Settle Sys |
|---|---|---|
| Price | Free | Free |
| Rating | 3.0 (4 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 52.6% of reviews | — |
| Number of ratings | 4 — better | 1 |
| Update frequency | Every 3 weeks | Weekly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.1 | 15.0 — better |
| Further details — not scored | ||
| Size | 118 MB | 21 MB |
| Age rating | 4+ | 4+ |
| Developer | Bano Pty Ltd | HAITAO ZHAO |
Customer experience
Bano
Settle Sys
In-app purchases
Bano
No in-app purchases
Settle Sys
No in-app purchases
