Comparison

Circulation vs monobank

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

Head to head
About

Circulation

This finance management tool helps fitness centers track their financial performance. It provides insights into cash flow, expenses, and plan implementation for management accounting and budgeting.

Highlights
  • Management accounting
  • Budgeting
  • Exchequer operations
  • Financial results reporting
  • Cash flow tracking
  • Time reports
Features
Read full description

The Circulation software program is an industry solution for conducting management accounting, budgeting and exchequer operations in the fitness centers. For informing fitness club management on the current financial results (the remains, arrival expense, implementation of the plan on cash flow from operations, investing, financing), iPhone appendix is used for time reports obtaining.

About

monobank

This mobile banking app offers a comprehensive suite of financial services, including account management, card issuance, loans, and money transfers. Users can manage daily finances, access credit, exchange currency, and even shop through an integrated marketplace, all within a secure, 24/7 digital environment.

Highlights
  • Digital account and card issuance
  • Credit line application and management
  • Money transfers and bill payments
  • Currency exchange
  • Cashback rewards
  • In-app marketplace
  • Business account management
Features
Read full description

monobank — the first mobile bank, over 11 million users, digital bank, online bank, card, loans, money transfer, payments, cashback, deposit, currency exchange, insurance, business account, in-app marketplace. Banking and finance, open an account, get a card via the app, banking in your pocket, 24/7. Yeah, that was a keyword dump. We did it on purpose so you can actually find us. Here's the real stuff: Quick Start Download the app, confirm your phone number and verify your identity using Diia or your ID documents. You get a virtual card in the app right after registration, and a physical card can be delivered to you through Nova Poshta or Ukrposhta Cards for EveryDay Life Debit and credit cards, currency cards for dollars and euros, a unified Diia.Card for government payments and a child’s card with parental controls. Contactless payments with Apple Pay — add your card to your wallet and pay with your phone Credit Online Apply for a credit limit in the app. The decision is made after reviewing your data, terms, rates and limits are shown before confirmation Split Payments Buy electronics and other goods at partner stores: installments are available, with terms shown before you confirm the purchase. Turn past purchases into parts — you get the money back on your card and repay it gradually Transfers and Smart payments Money transfer to a card or account, transfers by phone number, international transfers. Pay bills in a few taps: electricity, gas, water, internet, TV, mobile top-up and fines. Zero fees, and the transfer status is visible in the app. Send money with ease Currency Exchange Buy and sell currency online — the exchange rate is shown before you confirm Deposit Open a deposit in a minute; rates and terms are available in the app. Government bonds are also available in mono Cashback Choose categories every month and get cashback on groceries, taxi, fuel, cafes, books, sports plus, and entertainment under the program terms. Additional offers with WOG Pride Business Portal and SP for Work Open a Business Portal for entrepreneurs (SP) online: control taxes, reports and payments without paperwork — in the same banking app. Insurance Car insurance (MTPL and Green Card) issued online in minutes. Policy terms are shown before payment Banka Create a Banka to collect money for charity, community initiatives, or shared goals with friends and family monomarket and monobazar An in-app market for new goods with installment options, plus a marketplace for pre-owned items — buy and sell without leaving the app. Shop smart, whatever your budget eSIM Connect an eSIM — a digital alternative to a physical SIM card — right in the app Also in the app Track spending, manage group expenses with friends, accept payments from your phone. Support in chat, 24/7 Transparent terms Fees, limits and rates are always visible in the app before you confirm a transaction. Credit terms depend on a review of your data and the bank's decision. JSC "UNIVERSAL BANK". NBU License No. 92 dated 20.01.1994, State Register of Banks No. 226, Kyiv, Ukraine Download monobank — banking that finally works for you

Screenshots

Circulation4 screens
monobank4 screens

Verdict

The call

The clearest difference is review sentiment: Circulation at 100% against monobank's 60%. Circulation also leads on device support (3 vs 1) and iOS requirement (12.0 vs 16.0). monobank's advantage is update cadence (every 4 days vs every 5 months). On price, ads, in-app purchases and monetization model 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.

UpkeepUpdate frequency

Circulation ships an update every 5 months, monobank every 4 days. The most recent releases landed on November 1, 2026 and November 6, 2026 respectively.

Scorecard4 real differences · 6 level
Circulation versus monobank: the parameters behind the verdict, then further details
ParameterCirculationmonobank
PriceFreeFree
Rating—4.9 (18K ratings) — better
Positive reviews100.0% of reviews — better60.4% of reviews
Number of ratings—18K — better
Update frequencyEvery 5 monthsEvery 4 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS12.0 — better16.0
Further details — not scored
Size36 MB404 MB
Age rating4+4+
DeveloperFitness HoldingUNIVERSAL BANK, PRAT

Customer experience

Circulation

Written reviews4 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

monobank

All ratings18,059 ratings
Positive97.2%
Neutral0.7%
Negative2.1%
Written reviews661 reviews
Positive60.4%
Neutral3.8%
Negative35.9%

Bugs and requests

Circulation

Not enough reviews yet to summarise bugs or requests.

monobank

Reported bugs

3 issues
  • App crashes on certain screens
  • Deposit repayment delays
  • Inconsistent user interface behavior

Requested features

5 requests
  • Add English language option
  • Improve customer support
  • Expand international accessibility
  • Introduce Apple Pay integration
  • Enhance deposit management features

In-app purchases

None

Circulation

No in-app purchases

None

monobank

No in-app purchases

Questions

Is Circulation free?
Circulation is free to download, with no in-app purchases.
Is monobank free?
monobank is free to download, with no in-app purchases.
Do Circulation or monobank have ads?
Neither Circulation nor monobank shows ads.
Which is updated more often, Circulation or monobank?
Circulation ships an update every 5 months, and monobank every 4 days. Most recently, Circulation was updated on November 1, 2026 and monobank on November 6, 2026.

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