ether.fi vs MON 3
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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.
MON 3
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
| Parameter | ether.fi | MON 3 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (417 ratings) — better | — |
| Positive reviews | 90.4% of reviews | — |
| Number of ratings | 417 — better | — |
| Update frequency | Every 3 days — better | Fortnightly |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone | iPhone, iPad — better |
| Requires iOS | 17.0 | 16.4 — better |
| Further details — not scored | ||
| Size | 173 MB | 82 MB |
| Age rating | 17+ | 4+ |
| Developer | Ether.Fi SEZC | MON 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
ether.fi
No in-app purchases
MON 3
No in-app purchases









