# 78 MFB vs Kem App

The clearest difference is rating: Kem App at 4.2 against 78 MFB's 3.7. 78 MFB's advantage is monetization model (free vs free with in-app purchases). On price, review sentiment, ratings volume and update cadence there is nothing between them.

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

Kem App holds the better App Store score, 4.2 against 3.7. Both are backed by a comparable volume of ratings — 39 and 31 respectively. Written reviews point the same way: 53% of 78 MFB's written reviews are positive against 54% of Kem App's.

78 MFB ships an update every 9 days, Kem App fortnightly. The most recent releases landed on November 7, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | 78 MFB | Kem App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.7 (39 ratings)](https://appshunter.io/ios/app/78-mfb/id6470311222/reviews) | **[4.2 (31 ratings)](https://appshunter.io/ios/app/kem-app/id6739941056/reviews)** |
| Number of ratings | **39** | 31 |
| Positive reviews | 52.9% of reviews | **54.3% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 9 days** | Fortnightly |
| Monetization | **Free** | Free with in-app purchases |
| Size | 124 MB | 112 MB |
| Requires iOS | 15.6 | **15.1** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [BLAAIZ INNOVATIONS TECHNOLOGY LTD](https://appshunter.io/developer/1713385154) | [KEM LLC](https://appshunter.io/developer/1682114841) |

## What reviewers say

### 78 MFB

[App page](https://appshunter.io/ios/app/78-mfb/id6470311222)

Manage your finances with a global bank offering savings and current accounts. Facilitate swift money transfers, effortless bill payments, and easy bulk payments. Schedule payments to never miss a due date.

**Highlights:** Savings and Current Accounts, Swift Money Transfers, Effortless Bills Payment, Scheduled Payments, Bulk Payments

**Features:** Vision Pro support

**In-app purchases:** none


### Kem App

[App page](https://appshunter.io/ios/app/kem-app/id6739941056)

Send, spend, and manage cryptocurrencies like USDT, Bitcoin, and Ethereum with ease. Make global payments, swap between digital assets and local currencies, and use crypto like cash with virtual cards and QR payments. Secure, fast, and flexible for everyday transactions.

**Highlights:** Send USDT, Bitcoin, Ethereum instantly, Global payments with real-time conversion, Swap between crypto, gold, and local currencies, Spend crypto with virtual cards, Pay with QR codes, Withdraw to external wallets/bank accounts, Advanced security features

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is 78 MFB free?

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

### Is Kem App free?

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

### Which has better reviews, 78 MFB or Kem App?

Kem App is rated higher. 78 MFB averages 3.7 out of 5 from 39 ratings, while Kem App averages 4.2 from 31 ratings.

### Do 78 MFB or Kem App have ads?

Neither 78 MFB nor Kem App shows ads.

### Which is updated more often, 78 MFB or Kem App?

78 MFB ships an update every 9 days, and Kem App fortnightly. Most recently, 78 MFB was updated on November 7, 2026 and Kem App 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.*