# Kiwibank Mobile Banking vs Smartly

The clearest difference is rating: Smartly at 4.8 against Kiwibank Mobile Banking's 3.1. Kiwibank Mobile Banking's advantage is update cadence (fortnightly vs monthly). On price, review sentiment, ratings volume and ads there is nothing between them.

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

Smartly holds the better App Store score, 4.8 against 3.1. Both are backed by a comparable volume of ratings — 18 and 36 respectively. Written reviews point the same way: 30% of Kiwibank Mobile Banking's written reviews are positive against 32% of Smartly's.

Kiwibank Mobile Banking ships an update fortnightly, Smartly monthly. The most recent releases landed on November 10, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | Kiwibank Mobile Banking | Smartly |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.1 (18 ratings)](https://appshunter.io/ios/app/kiwibank-mobile-banking/id504216653/reviews) | **[4.8 (36 ratings)](https://appshunter.io/ios/app/smartly/id1590031328/reviews)** |
| Number of ratings | 18 | **36** |
| Positive reviews | 30.0% of reviews | **31.9% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Monthly |
| Monetization | Free | Free |
| Size | 257 MB | 24 MB |
| Requires iOS | 16.0 | **15.1** |
| Devices | **iPhone, iPad, Apple Watch** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Kiwibank Limited](https://appshunter.io/developer/504216656) | [SmartPayroll](https://appshunter.io/developer/975779688) |

## What reviewers say

### Kiwibank Mobile Banking

[App page](https://appshunter.io/ios/app/kiwibank-mobile-banking/id504216653)

Manage your finances on the go with this mobile banking application. View balances, transfer funds, pay bills, and manage cards securely. Apply for new accounts and loans directly from your device.

**Highlights:** View account balances and transaction history, Transfer money and pay bills, Manage payees and tax payments, Set up and manage cards, including Apple Pay, Apply for new accounts and credit cards, Secure login with PIN, biometrics, or password

**Features:** Apple Wallet, Apple Watch app

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use and intuitive interface
- 🚀 Fast and responsive app performance
- 💳 Apple Pay support (recently added)
- 🔒 Secure authentication with Face ID/Touch ID
- 📱 Good basic banking functions

**What reviewers complain about**

- ⚠️ Forced iOS version requirements lock out older devices
- 🐛 Frequent app crashes and freezes
- ⏱️ Slow login and loading times
- 🔄 Endless update loops on incompatible devices
- ❌ Poor customer support responsiveness

**Reported bugs**

- App requires iOS 16+ update, blocking users on iOS 15 and older
- Infinite loop when updating app on incompatible devices
- Payment failures requiring app reinstall
- Balance not updating after transactions without logout/login
- Unexpected error messages during payments and login

**Requested features**

- Real-time transaction notifications and alerts
- Google Pay support
- Transaction time stamps (not just processing time)
- Favorites/frequent payees section
- Export statements in PDF format


### Smartly

[App page](https://appshunter.io/ios/app/smartly/id1590031328)

This app allows employees to manage their payroll information, including viewing payslips, applying for leave, and submitting timesheets. Employers must set up employee accounts for access. It simplifies payroll management for both employees and businesses.

**Highlights:** View payslips, Apply for leave, Submit timesheets, Track leave balances, Assign hours to jobs, Email PDF payslips

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

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 👍 Intuitive design
- 👍 Straightforward
- 👍 Good for tracking shifts
- 👍 Great for employees

**What reviewers complain about**

- 🐛 Constantly logs out
- 🐛 Frequent login issues
- 🐛 App crashes/freezes
- 🐛 Slow performance
- 🐛 Poor accessibility

**Reported bugs**

- Notifications don't work
- App size increased
- Biometrics enrollment repeated
- Password reset issues
- Login button unresponsive

**Requested features**

- Ability to put in start time without finish time
- Reminder for missing finish time
- More detailed app
- Web portal access for employees
- Ability to handle working past midnight without two entries


## Frequently asked questions

### Is Kiwibank Mobile Banking free?

Kiwibank Mobile Banking is free to download, with no in-app purchases.

### Is Smartly free?

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

### Which has better reviews, Kiwibank Mobile Banking or Smartly?

Smartly is rated higher. Kiwibank Mobile Banking averages 3.1 out of 5 from 18 ratings, while Smartly averages 4.8 from 36 ratings.

### Do Kiwibank Mobile Banking or Smartly have ads?

Neither Kiwibank Mobile Banking nor Smartly shows ads.

### Which is updated more often, Kiwibank Mobile Banking or Smartly?

Kiwibank Mobile Banking ships an update fortnightly, and Smartly monthly. Most recently, Kiwibank Mobile Banking was updated on November 10, 2026 and Smartly on November 3, 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.*