Comparison

ether.fi vs SmartDebts

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

SmartDebts

Read full description

SmartDebts helps you easily track shared expenses and settle debts with friends, family, or colleagues. Add expenses, choose who paid, and instantly see who owes what. The app automatically calculates balances and makes splitting costs simple and transparent. Perfect for: • Trips and vacations • Shared apartments • Group dinners • Business expenses • Everyday shared spending Features: • Simple and intuitive interface • Automatic balance calculation • Multi-currency support • Quick settlements between participants • Clean and modern design SmartDebts keeps your finances clear and stress-free.

Screenshots

ether.fi4 screens
SmartDebts4 screens

Verdict

The call

The clearest difference is ads: SmartDebts at none against ether.fi's shown. 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.

Scorecard1 real difference · 9 level
ether.fi versus SmartDebts: the parameters behind the verdict, then further details
Parameterether.fiSmartDebts
PriceFreeFree
Rating4.9 (414 ratings) — better—
Positive reviews90.4% of reviews—
Number of ratings414 — better—
Update frequencyEvery 3 days—
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree—
DevicesiPhoneiPhone, iPad — better
Requires iOS17.0 — better18.2
Further details — not scored
Size173 MB1 MB
Age rating17+4+
DeveloperEther.Fi SEZCArtem Marakhovskyi

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

SmartDebts

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

ether.fi

No in-app purchases

None

SmartDebts

No in-app purchases

Questions

Is ether.fi free?
ether.fi is free to download, with no in-app purchases.
Is SmartDebts free?
SmartDebts is free to download, with no in-app purchases.
Do ether.fi or SmartDebts have ads?
ether.fi shows ads; SmartDebts does not.

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