# smava vs Extra Karte

The clearest difference is review sentiment: Extra Karte at 92% against smava's 29%. Extra Karte also leads on monetization model (free vs ad-supported). On price, update cadence, 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.

smava ships an update every 3 weeks, Extra Karte fortnightly. Both last shipped on October 30, 2026.

## The numbers

| Metric | smava | Extra Karte |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[4.9 (34 ratings)](https://appshunter.io/ios/app/extra-karte/id1635133235/reviews)** |
| Number of ratings | — | **34** |
| Positive reviews | 29.4% of reviews | **91.7% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Fortnightly** |
| Monetization | Ad-supported | **Free** |
| Size | 173 MB | 87 MB |
| Requires iOS | 16.4 | **16.0** |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 17+ |
| Developer | [smava GmbH](https://appshunter.io/developer/1146810389) | [Bank DiMare Limited](https://appshunter.io/developer/1635133121) |

## What reviewers say

### 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


### Extra Karte

[App page](https://appshunter.io/ios/app/extra-karte/id1635133235)

Manage your credit card account securely and conveniently from your mobile device. View card details, confirm payments, track transactions, and pay invoices. You can also apply for a new card directly within the app.

**Highlights:** View card details, Confirm online payments, See all transactions, Check and pay invoices, Apply for new card, Installment options, Cashback on travel

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

**In-app purchases:** none


## Frequently asked questions

### Is smava free?

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

### Is Extra Karte free?

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

### Do smava or Extra Karte have ads?

Neither smava nor Extra Karte shows ads.

### Which is updated more often, smava or Extra Karte?

smava ships an update every 3 weeks, and Extra Karte fortnightly. Most recently, smava was updated on October 30, 2026 and Extra Karte 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.*