# UB2GO vs ThinkSmartz

The clearest difference is rating: ThinkSmartz at 5.0 against UB2GO's 4.6. ThinkSmartz also leads on iOS requirement (11.0 vs 16.0). UB2GO's advantage is ratings volume (631 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.

ThinkSmartz holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: UB2GO has 631 ratings behind it against 2, so its average is the more settled of the two.

## The numbers

| Metric | UB2GO | ThinkSmartz |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (631 ratings)](https://appshunter.io/ios/app/ub2go/id888827809/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/thinksmartz/id6482297759/reviews)** |
| Number of ratings | **631** | 2 |
| Positive reviews | 88.3% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 8 months | — |
| Monetization | Free | Free |
| Size | 101 MB | 56 MB |
| Requires iOS | 16.0 | **11.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Union Bankshares, Inc.](https://appshunter.io/developer/634495400) | [Retirement Education Resource Center of North America, Inc.](https://appshunter.io/developer/1739777100) |

## What reviewers say

### UB2GO

[App page](https://appshunter.io/ios/app/ub2go/id888827809)

Manage your personal and business finances on the go with this secure mobile banking app. Easily check balances, transfer funds, deposit checks, pay bills, and send money to others. It also offers budgeting tools and fraud prevention features.

**Highlights:** Account management and balance checks, Fund transfers between accounts, Mobile check deposit, Bill payment and payee management, Person-to-Person (P2P) payments, Budgeting and spending tracking, Secure messaging and alerts

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly
- 🚀 Easily navigable
- 🚀 Convenient for banking
- 🚀 Helpful and easy to use
- 🚀 Intuitive interface

**What reviewers complain about**

- 🐛 Mobile deposit issues
- 🐛 Inconsistent account order
- 🐛 Slow and buggy performance
- 🐛 Difficult to use camera for check deposit
- 🐛 Unreliable login process

**Reported bugs**

- Login screen issues
- Inconsistent check deposit recognition
- Account order changes unexpectedly
- Occasional crashes and freezes

**Requested features**

- Add fingerprint or Face ID login
- Improve mobile check deposit functionality
- Enhance search and transaction history features
- Add travel notification feature in the app
- Move the log out button to a more accessible location


### ThinkSmartz

[App page](https://appshunter.io/ios/app/thinksmartz/id6482297759)

This app provides tools and advice for smart money planning, budgeting, and investing. It helps users manage their finances confidently at every stage of life, from starting out to retirement.

**Highlights:** Smart money planning for all life stages, Easy budgeting and spending tracking, Investment ideas and expert tips, Financial security guidance, Personalized financial reminders, Finance learning library

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is UB2GO free?

UB2GO is free to download, with no in-app purchases.

### Is ThinkSmartz free?

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

### Which has better reviews, UB2GO or ThinkSmartz?

ThinkSmartz is rated higher. UB2GO averages 4.6 out of 5 from 631 ratings, while ThinkSmartz averages 5.0 from 2 ratings.

### Do UB2GO or ThinkSmartz have ads?

Neither UB2GO nor ThinkSmartz shows ads.

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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.*