# SmartCredit® vs Password Secure Kiwi

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.

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

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.

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.

## The numbers

| Metric | SmartCredit® | Password Secure Kiwi |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.4 (155 ratings)](https://appshunter.io/ios/app/smartcredit/id783694780/reviews) | **[5.0 (3 ratings)](https://appshunter.io/ios/app/password-secure-kiwi/id6451268973/reviews)** |
| Number of ratings | **155** | 3 |
| Positive reviews | 33.7% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 months** | Every 11 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 26 MB | 34 MB |
| Requires iOS | 17.6 | **13.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [ConsumerDirect Inc](https://appshunter.io/developer/783694783) | [Robert Yano](https://appshunter.io/developer/1697371945) |

## What reviewers say

### SmartCredit®

[App page](https://appshunter.io/ios/app/smartcredit/id783694780)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly interface
- 📈 Helps improve credit score
- 💰 Useful for financial management
- 🛡️ Removes personal info from websites
- 🏠 Aids in house buying process

**What reviewers complain about**

- ❌ Login issues are frequent
- 💸 App is often a scam or misleading
- 🚫 Difficult to cancel membership
- 📉 Credit score doesn't improve
- 💰 Charged after cancellation

**Reported bugs**

- 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

**Requested features**

- 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


### Password Secure Kiwi

[App page](https://appshunter.io/ios/app/password-secure-kiwi/id6451268973)

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

**In-app purchases:** none


## Frequently asked 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.

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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.*