Comparison

Restart vs h.way

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Restart

This banking app allows users to open a fee-free checking account and use a Visa debit card. It offers features like early direct deposit, mobile check deposit, and ATM access. A unique aspect is its social impact feature, donating profits to a foundation with every transaction.

Highlights
  • Fee-free checking account
  • Visa debit card
  • Social impact donations
  • Early direct deposit
  • Mobile check deposit
  • Multi-language support
  • ATM withdrawals
Features
Read full description

Bank with Purpose. Make a social impact with every swipe at no cost to you. Open a fee-free account with competitive features and multi-language support. SOCIAL IMPACT BANKING With other banks, you’re a number. With Re:start, you're a giver. With your every swipe, until the end of 2022, we donate 100% of our net profit to Liberty Ukraine Foundation, at no additional cost to you. Through many small (trans)actions, you can make a large impact. See your monthly and all-time social impact in the app. FEE-FREE BANKING Re:start is a digital bank without fees imposed by traditional banks. Our fee-free app, checking accounts, and Visa® debit cards mean no maintenance fees or minimum balances. APP FEATURES - Access your fee-free checking account and Visa® debit card. - View the social impact of your swipes. - Deposit checks with a photo. - Withdraw cash fee-free at over 30,000 ATMs nationwide. - Secure your paycheck 2 days early with direct deposit. - Track your account balance with detailed insights on charges and income. - Lock and unlock your Visa® debit card instantly. - View the app in English, Russian, Polish, Ukrainian, Armenian, Czech, Belarusian, and Persian. Visit restartbank.com/faq for terms and conditions.

About

h.way

This app offers a banking experience designed for your community, allowing you to manage money without minimum balances or surcharges. It provides a Mastercard debit card with identity theft protection, early payday access, and fee-free ATM withdrawals. Funds are FDIC-insured for your security.

Highlights
  • No SSN required for signup
  • No minimum balance or surcharges
  • FDIC-insured funds
  • Mastercard debit card with ID theft protection
  • Early payday access
  • Fee-free ATM network
  • Instant money transfers
Features
Read full description

h.way allows you to do MONEY YOUR WAY. Sign up with your passport or valid license; no SSN is needed if you don't have one. Keep your account WITHOUT having a minimum balance and without surcharges. Plus, your funds will be kept in an FDIC-insured institution. We understand our community's money culture and have created an experience around it. Our goal is to help our community spend wisely, save, and invest for progress. Our benefits include: -Mastercard® debit card, with ID Theft Protection, which helps protect against identity theft 24/7. -Early payday: cash your paycheck up to two days earlier -Apple Pay and Google Pay -Access to around 55,000 ATMs without surcharges -Send money to other h.way users instantly and without surcharges. -Freeze and unfreeze your account from the app. You can learn more about h.way by visiting our website, www.h-way.com, or downloading the h.way app. * For Terms and Conditions, visit www.h-way.com. ** YOUR FUNDS ARE INSURED UP TO $250,000 BY THE FDIC IN THE EVENT METROPOLITAN COMMERCIAL BANK FAILS IF SPECIFIC DEPOSIT INSURANCE REQUIREMENTS ARE MET, AND YOUR CARD IS REGISTERED, visit https://www.fdic.gov/deposit/deposits/prepaid.html *** The h.way prepaid Mastercard is issued by Metropolitan Commercial Bank (Member FDIC) pursuant to a lincese from Mastercard. "Metropolitan Commercial Bank" and "Metropiolitan" are registered trademarks of Metropolitan Commercial Bank ©2020-2022

Screenshots

Restart4 screens
h.way4 screens

Verdict

The call

The clearest difference is rating: Restart at 4.0 against h.way's 3.4. Restart also leads on review sentiment (72% vs 47%). h.way's advantage is iOS requirement (9.0 vs 13.0). On price, ratings volume, update cadence and ads 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

Restart holds the better App Store score, 4.0 against 3.4. Both are backed by a comparable volume of ratings — 83 and 97 respectively. Written reviews point the same way: 72% of Restart's written reviews are positive against 47% of h.way's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on June 11, 2026 and September 5, 2026 respectively.

Scorecard3 real differences · 7 level
Restart versus h.way: the parameters behind the verdict, then further details
ParameterRestarth.way
PriceFreeFree
Rating4.0 (83 ratings) — better3.4 (97 ratings)
Positive reviews71.8% of reviews — better47.3% of reviews
Number of ratings8397 — better
Update frequencyEvery 3 weeksEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS13.09.0 — better
Further details — not scored
Size187 MB310 MB
Age rating4+4+
DeveloperRestart Financial Inc.numi apps

Customer experience

Restart

All ratings83 ratings
Positive71.1%
Neutral10.8%
Negative18.1%
Written reviews39 reviews
Positive71.8%
Neutral0.0%
Negative28.2%

h.way

All ratings97 ratings
Positive59.8%
Neutral3.1%
Negative37.1%
Written reviews55 reviews
Positive47.3%
Neutral1.8%
Negative50.9%

In-app purchases

None

Restart

No in-app purchases

None

h.way

No in-app purchases

Questions

Is Restart free?
Restart is free to download, with no in-app purchases.
Is h.way free?
h.way is free to download, with no in-app purchases.
Which has better reviews, Restart or h.way?
Restart is rated higher. Restart averages 4.0 out of 5 from 83 ratings, while h.way averages 3.4 from 97 ratings.
Do Restart or h.way have ads?
Neither Restart nor h.way shows ads.
Which is updated more often, Restart or h.way?
Restart ships an update every 3 weeks, and h.way every 3 weeks. Most recently, Restart was updated on June 11, 2026 and h.way on September 5, 2026.

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