Comparison

Ray Money vs SmartFin

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

Head to head

★ 4.85 ratingsView app →

About

Ray Money

Features

Read full description

La société Ray Plus Center met à votre disposition une application pour faciliter vos achats, rechargements et vos paiements sans vous déplacer.

About

SmartFin

Manage your wealth, credits, personal budgets, and investments with this innovative personal finance tool. It offers a simple and effective way to oversee your financial assets and make informed investment decisions.

Highlights

Wealth management
Credit tracking
Personal budgeting
Investment management
Financial planning

Features

Read full description

Une solution innovante de gestion de finances personnelle. SmartFin App est une application mobile et web visant à aider les utilisateurs à gérer leur patrimoine, leurs crédits, leurs budgets personnels, et à réaliser des investissements de manière simple et efficace.

Screenshots

Ray Money4 screens

SmartFin4 screens

Verdict

The call

Ray Money and SmartFin are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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

Ray Money ships an update fortnightly, SmartFin every 2 weeks. Both last shipped on October 30, 2026.

ScorecardNo meaningful differences

Ray Money versus SmartFin: the parameters behind the verdict, then further details
Parameter	Ray Money	SmartFin
Price	Free	Free
Rating	—	4.8 (5 ratings) — better
Number of ratings	—	5 — better
Update frequency	Fortnightly	Every 2 weeks — better
Ads	No	No
In-app purchases	No	No
Monetization	—	Free
Devices	iPhone, iPad, iPod	iPhone, iPad, iPod
Requires iOS	15.0	15.0
Further details — not scored
Size	59 MB	183 MB
Age rating	4+	4+
Developer	RAY PLUS GROUP	Colombe Djirebo

In-app purchases

None

Ray Money

No in-app purchases

None

SmartFin

No in-app purchases

Questions

Is Ray Money free?

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

Is SmartFin free?

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

Do Ray Money or SmartFin have ads?

Neither Ray Money nor SmartFin shows ads.

Which is updated more often, Ray Money or SmartFin?

Ray Money ships an update fortnightly, and SmartFin every 2 weeks. Most recently, Ray Money was updated on October 30, 2026 and SmartFin on October 30, 2026.