# Instabank vs smava

The clearest difference is update cadence: smava at every 3 weeks against Instabank's every 2 months. smava also leads on review sentiment (29% vs 19%). Instabank's advantage is monetization model (free vs ad-supported). 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.

Instabank ships an update every 2 months, smava every 3 weeks. The most recent releases landed on September 21, 2026 and September 23, 2026 respectively.

## The numbers

| Metric | Instabank | smava |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 18.8% of reviews | **29.4% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 3 weeks** |
| Monetization | **Free** | Ad-supported |
| Size | 142 MB | 168 MB |
| Requires iOS | 17.0 | **16.4** |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 4+ |
| Developer | [Instabank ASA](https://appshunter.io/developer/1591554969) | [smava GmbH](https://appshunter.io/developer/1146810389) |

## What reviewers say

### Instabank

[App page](https://appshunter.io/ios/app/instabank/id1596029376)

Manage your finances with a comprehensive overview of transactions, invoices, and balances. Make payments, transfer funds, and apply for credit or loans easily. Access secure self-service options and bank messages.

**Highlights:** Full account overview, Transaction and invoice tracking, Bill payments and money transfers, Loan and credit applications, Secure login with biometrics, Bank message inbox

**Features:** Apple Wallet, 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 Instabank free?

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

### Is smava free?

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

### Do Instabank or smava have ads?

Neither Instabank nor smava shows ads.

### Which is updated more often, Instabank or smava?

Instabank ships an update every 2 months, and smava every 3 weeks. Most recently, Instabank was updated on September 21, 2026 and smava on September 23, 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.*