Comparison

akart vs Smart Wallet

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

Head to head
About

akart

Manage your finances and make payments with a digital debit card. Easily activate, top up, and use for contactless, online, and in-app purchases. Earn cashback and bonuses on your spending.

Highlights
  • Contactless, in-app, and online payments
  • Send money by name or phone number
  • Fast transfers to other bank cards
  • Monthly cashback and gigabyte bonuses
  • Easy activation with biometric verification
  • Add to Apple/Google Wallet
  • Top up with no commission
Features
Read full description

akart is a free debet card. You can activate it wherever you are with just one tap. akart will help you to manage all your financial transactions in a seamless manner: You will make contactless, in-app, online payments just with one akart, You will send money to your friends by name or phone number, avoiding typing 16 digits wrongly, You will send money to other bank cards very fast, You will earn monthly cashback or gigabyte bonuses on payments, without choosing any payment category Get akart wherever you are Activate akart in just a few simple steps: Type your mobile phone number Enter required ID information Pass the biometric verification Choose and repeat the PIN code to enter the application. To save time, allow Face/Touch ID. And all set up! Now it’s time to add your akart to Apple/Google Wallet and start to make contactless payments. Top up your akart with no commission. Open doors to convenient payments, top up your akart first. You can top up your balance either at the app, or at the nearest “eManat” terminals. To manage the process faster, save the other bank card from which you top up your akart. Make convenient payments with akart. Top up either your or any friend’s mobile phone balance, Pay for utility bills. In addition, activate the automated regime to pay on time, Make payments for Internet, TV, Phone, Government, Insurance, Parking, ASAN Services, Education, etc. Transfer money fast with akart It’s possible to transfer money from akart either to another akart by name or phone number, or to other bank cards in a fast manner. To make the process faster, you can save the card for further transfers. Earn monthly bonuses on payments. akart offers monthly cashback and gigabyte bonuses on payments without choosing a category. It’s possible to earn a maximum of 100 AZN cashback or 10 GB of internet based on your choice. Please find cashback bonuses here: 2% at supermarkets, pharmacies, petrol stations, and auto parts stores; 1% on mobile balance top-ups, Azərsu, Azərişıq, Azəristiliktəhcizatt, taxi, restaurants, entertainment, parking, clothes, and other categories. akart also has a partner network. If you want to know where you can earn more cashback by paying with akart, go to the app. For further information, you can check the akart.az website. The customer care center is always here to solve your questions and concerns. * 3443 You can support us in the improvement of the app with your feedback.

About

Smart Wallet

Features
Read full description

Xərclərinizi və gəlirlərinizi bu mobil tətbiq vasitəsilə daha rahat idarə edin. Nəinki öz xərcləriniz, eləcə də ailə üzvlərinə də nəzarət imkanı mövcuddur.

Screenshots

akart4 screens
Smart Wallet4 screens

Verdict

The call

akart and Smart Wallet 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

akart ships an update every 2 weeks, Smart Wallet every 10 days. The most recent releases landed on November 8, 2026 and October 30, 2026 respectively.

ScorecardNo meaningful differences
akart versus Smart Wallet: the parameters behind the verdict, then further details
ParameterakartSmart Wallet
PriceFreeFree
Rating4.5 (53 ratings) — better—
Positive reviews28.6% of reviews—
Number of ratings53 — better—
Update frequencyEvery 2 weeksEvery 10 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.0 — better15.1
Further details — not scored
Size166 MB19 MB
Age rating12+4+
DeveloperAzercell Telecom LLCSmartbee MMC

In-app purchases

None

akart

No in-app purchases

None

Smart Wallet

No in-app purchases

Questions

Is akart free?
akart is free to download, with no in-app purchases.
Is Smart Wallet free?
Smart Wallet is free to download, with no in-app purchases.
Do akart or Smart Wallet have ads?
Neither akart nor Smart Wallet shows ads.
Which is updated more often, akart or Smart Wallet?
akart ships an update every 2 weeks, and Smart Wallet every 10 days. Most recently, akart was updated on November 8, 2026 and Smart Wallet on October 30, 2026.

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