# Efecty vs FincoMóvil

The clearest difference is rating: FincoMóvil at 3.5 against Efecty's 1.8. Efecty's advantage is update cadence (every 2 weeks vs every 2 months) and ratings volume (37 vs 2). On price, ads, in-app purchases and monetization model there is nothing between them.

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

FincoMóvil holds the better App Store score, 3.5 against 1.8. That said, the two scores are not equally well evidenced: Efecty has 37 ratings behind it against 2, so its average is the more settled of the two.

Efecty ships an update every 2 weeks, FincoMóvil every 2 months. The most recent releases landed on September 23, 2026 and September 15, 2026 respectively.

## The numbers

| Metric | Efecty | FincoMóvil |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.8 (37 ratings)](https://appshunter.io/ios/app/efecty/id712562218/reviews) | **[3.5 (2 ratings)](https://appshunter.io/ios/app/fincomovil/id1100784906/reviews)** |
| Number of ratings | **37** | 2 |
| Positive reviews | 28.6% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 2 months |
| Monetization | Free | Free |
| Size | 83 MB | 47 MB |
| Requires iOS | **14.0** | 15.6 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Efectivo Ltda.](https://appshunter.io/developer/712562221) | [FINCOMERCIO LTDA](https://appshunter.io/developer/1435836718) |

## What reviewers say

### Efecty

[App page](https://appshunter.io/ios/app/efecty/id712562218)

Manage your finances and send money with ease. This app allows you to send and receive money transfers, pay bills, and find nearby service points. You can also open an electronic deposit account to manage your funds, make various payments, and transfer money to other banks.

**Highlights:** Send money transfers, Consult sent and available transfers, Pay obligations from various agreements, View service tariffs, Locate physical service points, Open an electronic deposit account, Transfer money to other banks

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### FincoMóvil

[App page](https://appshunter.io/ios/app/fincomovil/id1100784906)

Manage your cooperative membership from your phone. Easily pay bills, find service points, and stay informed about events and benefits. Access your cooperative services conveniently and securely.

**Highlights:** Download payment barcodes, Pay credits easily, Find service points and hours, Access events and benefits, Consult product information, Secure transactions

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Efecty free?

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

### Is FincoMóvil free?

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

### Which has better reviews, Efecty or FincoMóvil?

FincoMóvil is rated higher. Efecty averages 1.8 out of 5 from 37 ratings, while FincoMóvil averages 3.5 from 2 ratings.

### Do Efecty or FincoMóvil have ads?

Neither Efecty nor FincoMóvil shows ads.

### Which is updated more often, Efecty or FincoMóvil?

Efecty ships an update every 2 weeks, and FincoMóvil every 2 months. Most recently, Efecty was updated on September 23, 2026 and FincoMóvil on September 15, 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.*