# FMBERLIN vs Privvy Merchant

The clearest difference is update cadence: Privvy Merchant at every 3 days against FMBERLIN's every 3 months. Privvy Merchant also leads on monetization model (free vs free with in-app purchases) and iOS requirement (15.1 vs 17.0). FMBERLIN's advantage is ratings volume (417 vs 1). On price, rating, 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.

Privvy Merchant holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: FMBERLIN has 417 ratings behind it against 1, so its average is the more settled of the two.

FMBERLIN ships an update every 3 months, Privvy Merchant every 3 days. The most recent releases landed on November 1, 2026 and October 8, 2026 respectively.

## The numbers

| Metric | FMBERLIN | Privvy Merchant |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (417 ratings)](https://appshunter.io/ios/app/fmberlin/id636746649/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/privvy-merchant/id6773511364/reviews)** |
| Number of ratings | **417** | 1 |
| Positive reviews | 87.5% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 3 days** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 115 MB | 32 MB |
| Requires iOS | 17.0 | **15.1** |
| Devices | iPhone, iPad, Apple Watch | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [The Farmers & Merchants Bank (WI)](https://appshunter.io/developer/636746652) | [Defyne Payments](https://appshunter.io/developer/6773511366) |

## What reviewers say

### FMBERLIN

[App page](https://appshunter.io/ios/app/fmberlin/id636746649)

Manage your finances on the go with this mobile banking application. Access account balances and history, transfer funds, and pay bills conveniently from your iPhone or iPad. Locate nearby branches and ATMs with ease.

**Highlights:** View account balances, Check transaction history, Make fund transfers, Pay bills, Find nearby locations

**Features:** Apple Watch app, Vision Pro support

**In-app purchases:** none


### Privvy Merchant

[App page](https://appshunter.io/ios/app/privvy-merchant/id6773511364)

This app offers merchants a secure mobile platform to manage payments and view transaction details. Monitor processing activity, review totals, and process refunds directly from your device, ensuring you stay connected to your business finances anywhere.

**Highlights:** Secure merchant account access, View recent transactions, Monitor processing activity, Review transaction totals, Search transactions by date, Process eligible refunds, Access multiple accounts

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

**In-app purchases:** none


## Frequently asked questions

### Is FMBERLIN free?

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

### Is Privvy Merchant free?

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

### Which has better reviews, FMBERLIN or Privvy Merchant?

Privvy Merchant is rated higher. FMBERLIN averages 4.8 out of 5 from 417 ratings, while Privvy Merchant averages 5.0 from 1 ratings.

### Do FMBERLIN or Privvy Merchant have ads?

Neither FMBERLIN nor Privvy Merchant shows ads.

### Which is updated more often, FMBERLIN or Privvy Merchant?

FMBERLIN ships an update every 3 months, and Privvy Merchant every 3 days. Most recently, FMBERLIN was updated on November 1, 2026 and Privvy Merchant on October 8, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*