Comparison

SmartCredit® vs Password Secure Kiwi

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

Head to head
About

SmartCredit®

Manage your credit score, money, and identity in one app. Get personalized plans to improve your credit, monitor for fraud, and understand your credit reports easily. Features include score tracking, a 120-day improvement plan, and tools to resolve financial issues.

Highlights
  • Credit score tracking
  • Personalized credit improvement plans
  • Credit monitoring
  • ID fraud insurance
  • Online information exposure monitoring
  • Credit report analysis
  • Money management
Features
Read full description

SmartCredit® Control your future credit score!™ SmartCredit® helps you control your credit score, money and identity in one place. Easily see what's helping or hurting your credit score and get a personalized plan to make it better, so you can qualify for loans with the best rates, as quickly as possible. SmartCredit® even safeguards the points you gain with credit monitoring and identity fraud insurance. KEY FEATURES: SCORETRACKER Easily track all your scores with simple charts or in-depth information. SCOREBUILDER® See exactly what's helping or hurting your credit score and get your personalized, 120-Day Plan to a better score. SCOREBOOST™ Discover how your spending strategies can unlock hidden credit points using our patented credit data science. PRIVACYMASTER® See where your private information is exposed online and request removal with one swipe. NEWLY DESIGNED 3B REPORTS & SCORES It's never been so easy to read and understand your TransUnion, Equifax and Experian credit reports. ACTION BUTTONS Remove credit reporting errors, identity theft and ask questions directly with your creditors using our patented Action Buttons. MONEY MANAGER All your online banking, credit cards and investments in one place, with Action Buttons to quickly resolve problems or ask questions with your financial institutions. $1 MILLION WHOLE FAMILY FRAUD INSURANCE Full coverage for your whole family, including pre-existing issues you did not know about. Free with your membership. Activation is required.

About

Password Secure Kiwi

Securely store and manage all your account details and passwords in the cloud. Access your accounts with a single password, protected by end-to-end encryption and an intuitive interface. Includes a note section for additional account information.

Highlights
  • Cloud-based storage
  • End-to-end encryption
  • Single password access
  • Intuitive user interface
  • Note section for accounts
Read full description

Password Secure Kiwi: Safely store and manage your account details and passwords in the cloud. With just one password and username, access all your accounts effortlessly while we handle the rest for you. Benefits: - End-to-end encryption: Rest assured that your sensitive data is stored with the highest level of security and confidentiality. - Intuitive UX/UI: Navigate and use Password Secure Kiwi with ease through its user-friendly interface. - Note section: Keep track of additional information for each account in one place.

Screenshots

SmartCredit®3 screens
Password Secure Kiwi3 screens

Verdict

The call

The clearest difference is rating: Password Secure Kiwi at 5.0 against SmartCredit®'s 3.4. Password Secure Kiwi also leads on monetization model (free vs free with in-app purchases) and iOS requirement (13.0 vs 17.6). SmartCredit®'s advantage is ratings volume (155 vs 3) and update cadence (every 3 months vs every 11 months). On price, ads, in-app purchases and device support 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.

ReceptionRating · Positive reviews · Number of ratings

Password Secure Kiwi holds the better App Store score, 5.0 against 3.4. That said, the two scores are not equally well evidenced: SmartCredit® has 155 ratings behind it against 3, so its average is the more settled of the two.

UpkeepUpdate frequency

SmartCredit® ships an update every 3 months, Password Secure Kiwi every 11 months. The most recent releases landed on November 1, 2026 and October 11, 2026 respectively.

Scorecard5 real differences · 5 level
SmartCredit® versus Password Secure Kiwi: the parameters behind the verdict, then further details
ParameterSmartCredit®Password Secure Kiwi
PriceFreeFree
Rating3.4 (155 ratings)5.0 (3 ratings) — better
Positive reviews33.7% of reviews—
Number of ratings155 — better3
Update frequencyEvery 3 months — betterEvery 11 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS17.613.0 — better
Further details — not scored
Size26 MB34 MB
Age rating4+4+
DeveloperConsumerDirect IncRobert Yano

Customer experience

SmartCredit®

All ratings155 ratings
Positive58.1%
Neutral1.9%
Negative40.0%
Written reviews95 reviews
Positive33.7%
Neutral2.1%
Negative64.2%

Password Secure Kiwi

All ratings4 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

SmartCredit®

Reported bugs

16 issues
  • App logs out immediately after login
  • App won't let users sign in
  • App crashes or closes unexpectedly
  • App doesn't recognize passwords or reset links
  • App keeps redirecting to the website
Show 11 more
  • App won't open or crashes upon opening
  • Login issues after app updates
  • App doesn't recognize created accounts
  • App locks users out after entering credentials
  • App doesn't allow adding accounts due to logout
  • App crashes and returns to login screen
  • App doesn't allow login through the app, only browser
  • App doesn't let users go in after signing in
  • App keeps asking to login after entering info
  • App doesn't open or crashes upon opening
  • App forces shut when trying to open

Requested features

8 requests
  • Fix the app so it doesn't redirect to the website
  • Allow cancellation through the app
  • Improve login functionality
  • Make the app usable without crashing
  • Offer a free trial
Show 3 more
  • Provide better customer support
  • Ensure credit score improvements are visible
  • Stop charging after cancellation

Password Secure Kiwi

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

SmartCredit®

No in-app purchases

None

Password Secure Kiwi

No in-app purchases

Questions

Is SmartCredit® free?
SmartCredit® is free to download, with no in-app purchases.
Is Password Secure Kiwi free?
Password Secure Kiwi is free to download, with no in-app purchases.
Which has better reviews, SmartCredit® or Password Secure Kiwi?
Password Secure Kiwi is rated higher. SmartCredit® averages 3.4 out of 5 from 155 ratings, while Password Secure Kiwi averages 5.0 from 3 ratings.
Do SmartCredit® or Password Secure Kiwi have ads?
Neither SmartCredit® nor Password Secure Kiwi shows ads.
Which is updated more often, SmartCredit® or Password Secure Kiwi?
SmartCredit® ships an update every 3 months, and Password Secure Kiwi every 11 months. Most recently, SmartCredit® was updated on November 1, 2026 and Password Secure Kiwi on October 11, 2026.

Other comparisons