# Citizens Smart vs Affinity Smart mBank

The clearest difference is iOS requirement: Citizens Smart at 12.4 against Affinity Smart mBank's 15.7. On price, update cadence, ads and in-app purchases there is nothing between them.

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

Citizens Smart ships an update every 3 weeks, Affinity Smart mBank monthly. The most recent releases landed on October 10, 2026 and October 18, 2026 respectively.

## The numbers

| Metric | Citizens Smart | Affinity Smart mBank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.6 (31 ratings)](https://appshunter.io/ios/app/citizens-smart/id881860234/reviews)** | — |
| Number of ratings | **31** | — |
| Positive reviews | 10.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Monthly |
| Monetization | Free | — |
| Size | 177 MB | 436 MB |
| Requires iOS | **12.4** | 15.7 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 17+ |
| Developer | [Citizens Bank International Ltd.](https://appshunter.io/developer/1398765830) | [mBank Technologies](https://appshunter.io/developer/1732994826) |

## What reviewers say

### Citizens Smart

[App page](https://appshunter.io/ios/app/citizens-smart/id881860234)

Manage your bank accounts, pay bills, and transfer funds conveniently from your mobile device. This secure app offers features like QR code payments and instant online transactions, making banking accessible anytime, anywhere without visiting a branch.

**Highlights:** Banking on the go, Bill payments, Fund transfers, QR code payments, Instant online payments, Account information access, Secure encryption

**Features:** Vision Pro support

**In-app purchases:** none


### Affinity Smart mBank

[App page](https://appshunter.io/ios/app/affinity-smart-mbank/id6744912173)

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

**In-app purchases:** none


## Frequently asked questions

### Is Citizens Smart free?

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

### Is Affinity Smart mBank free?

Affinity Smart mBank is free to download, with no in-app purchases.

### Do Citizens Smart or Affinity Smart mBank have ads?

Neither Citizens Smart nor Affinity Smart mBank shows ads.

### Which is updated more often, Citizens Smart or Affinity Smart mBank?

Citizens Smart ships an update every 3 weeks, and Affinity Smart mBank monthly. Most recently, Citizens Smart was updated on October 10, 2026 and Affinity Smart mBank on October 18, 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.*