Comparison

ether.fi vs MON 3

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

Head to head
About

ether.fi

A DeFi-native credit card that allows you to earn crypto rewards on everyday spending. Enjoy flexible payment options, exclusive member perks, and robust security features, all while maintaining control of your digital assets.

Highlights
  • Earn up to 4% cashback in crypto
  • Spend anywhere cards are accepted
  • DeFi-native and non-custodial
  • Add to Apple Wallet
  • Exclusive member perks
  • Top-level security features
Features
Read full description

A smarter credit card that puts you in control. Skip the bank fees and spend your money anywhere cards are accepted. DeFi-native and non-custodial - You control your crypto, always Up to 3% cashback on all purchases Add your card to Apple Wallet Flexible spending options that work for you Members get MANY exclusive perks: No transaction fees 24/7 priority support Premium metal card options Luxury hotel and flight discounts Purchase and travel baggage insurance Visa lounge access and concierge Top level security: Easy, secure sign up with passkeys Bank-grade security audits Freeze and unfreeze your card in a tap Advanced wallet protection Come say hello! Twitter: https://x.com/ether_fi Discord: https://discord.gg/ether-fi *Availability of the products and services on the ether.fi Cash app and any given features of such products may be subject to jurisdictional limitations.

About

MON 3

Features
Read full description

Your money shouldn't have borders. With MON 3, it doesn't. We are an international payments platform for individuals and companies that send and receive money across borders, with a solution that is simple, secure and cost efficient. Beyond transfers, you get an international card to spend your balance anywhere in the world. While traditional banks charge sky high fees and deliver unacceptable delays, MON 3 settles your transfer in minutes, at a 1.8% all in rate. What you get with MON 3: - Real savings: 1.8% all in, far below traditional banks - Speed: transfers in minutes, not days - International card: spend your dollar balance wherever you want, online or in store - Transparency: no hidden fees, you know exactly what you pay - Security: a platform compliant with regulatory standards - Simplicity: 100% digital, from sign up to transfer Who MON 3 is for: - Importers and exporters - Companies with suppliers abroad - Service providers with global clients - People who travel, study or live abroad - Anyone paid in foreign currency who wants to spend without losing on FX How it works: 1. Sign up in just a few minutes 2. Request your transfer and see the quote instantly 3. Confirm and track it in real time 4. Done, your money has arrived No more losing money to abusive fees. No more waiting days for a simple transfer. MON 3, your money, now global. Born to be global!

Screenshots

ether.fi4 screens
MON 34 screens

Verdict

The call

The clearest difference is ads: MON 3 at none against ether.fi's shown. ether.fi's advantage is update cadence (every 3 days vs fortnightly). On price, in-app purchases, device support and iOS requirement 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

ether.fi ships an update every 3 days, MON 3 fortnightly. The most recent releases landed on October 28, 2026 and October 9, 2026 respectively.

Scorecard2 real differences · 8 level
ether.fi versus MON 3: the parameters behind the verdict, then further details
Parameterether.fiMON 3
PriceFreeFree
Rating4.9 (417 ratings) — better—
Positive reviews90.4% of reviews—
Number of ratings417 — better—
Update frequencyEvery 3 days — betterFortnightly
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree—
DevicesiPhoneiPhone, iPad — better
Requires iOS17.016.4 — better
Further details — not scored
Size173 MB82 MB
Age rating17+4+
DeveloperEther.Fi SEZCMON 3 Co.

Bugs and requests

ether.fi

Reported bugs

4 issues
  • Withdrawal whitelist required
  • Issues with adding funds (not receiving money)
  • Referral bonus not credited
  • Card activation issues

Requested features

5 requests
  • Add built-in staking option
  • Display daily credited interest
  • Add Traditional Chinese language support
  • Integrate more local payment methods (Pix, BRL)
  • Improve tracking of assets and transactions

MON 3

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

ether.fi

No in-app purchases

None

MON 3

No in-app purchases

Questions

Is ether.fi free?
ether.fi is free to download, with no in-app purchases.
Is MON 3 free?
MON 3 is free to download, with no in-app purchases.
Do ether.fi or MON 3 have ads?
ether.fi shows ads; MON 3 does not.
Which is updated more often, ether.fi or MON 3?
ether.fi ships an update every 3 days, and MON 3 fortnightly. Most recently, ether.fi was updated on October 28, 2026 and MON 3 on October 9, 2026.

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