# HVB Mobile Banking vs smava

The clearest difference is review sentiment: HVB Mobile Banking at 69% against smava's 29%. HVB Mobile Banking also leads on monetization model (free vs ad-supported) and iOS requirement (14.0 vs 16.4). 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.

HVB Mobile Banking ships an update monthly, smava every 3 weeks. The most recent releases landed on September 24, 2026 and September 23, 2026 respectively.

## The numbers

| Metric | HVB Mobile Banking | smava |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.3 (636 ratings)](https://appshunter.io/ios/app/hvb-mobile-banking/id927914908/reviews)** | — |
| Number of ratings | **636** | — |
| Positive reviews | **68.6% of reviews** | 29.4% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 3 weeks** |
| Monetization | **Free** | Ad-supported |
| Size | 139 MB | 168 MB |
| Requires iOS | **14.0** | 16.4 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [UniCredit Bank GmbH](https://appshunter.io/developer/387364032) | [smava GmbH](https://appshunter.io/developer/1146810389) |

## What reviewers say

### HVB Mobile Banking

[App page](https://appshunter.io/ios/app/hvb-mobile-banking/id927914908)

Manage your banking needs conveniently and securely from anywhere. Features include a bill scanner for quick payments, mobile trading for investments, and a digital mailbox for important documents. Available for users aged 12 and up.

**Highlights:** Account balances and transactions, Bill scanner for quick transfers, Mobile trading and investment management, Digital mailbox, Mobile payments with Apple Pay, Financial manager, Secure login with biometrics

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Clear and intuitive user interface
- 🚀 Fast and responsive performance
- 📊 Comprehensive account overview and transaction history
- 💳 Easy EU transfers and payments
- 🎨 Clean, well-organized design

**What reviewers complain about**

- 🔐 Overly complicated security procedures
- 😕 Unintuitive navigation and information architecture
- ⏱️ Slow and cumbersome AppTAN approval process
- 🌐 Limited English language support (mostly headings only)
- 🔄 Frequent login failures and authentication issues

**Reported bugs**

- App crashes on startup after updates
- Face ID/biometric login disabled unexpectedly and frequently
- AppTAN not delivered or displayed properly
- Login hangs or fails intermittently
- Credit card transaction access causes crashes and logouts

**Requested features**

- Full English language translation (not just headings)
- IBAN input accepting formatted IBANs with spaces
- Landscape/horizontal view for account statements
- Improved transaction search with date range input
- Extended transaction history beyond 2 years


### smava

[App page](https://appshunter.io/ios/app/smava/id1629856132)

Easily compare and secure the most affordable loans from over 20 banks. This app offers a SCHUFA-neutral comparison, ensuring your creditworthiness remains unaffected. Securely apply for your desired loan directly within the app with transparent terms and no hidden fees.

**Highlights:** Loan comparison from over 20 banks, SCHUFA-neutral credit check, Secure online loan application, Loan calculator, Customer portal for data synchronization, Günstiger-Geht-Nicht-Garantie

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

**In-app purchases:** none


## Frequently asked questions

### Is HVB Mobile Banking free?

HVB Mobile Banking is free to download, with no in-app purchases.

### Is smava free?

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

### Do HVB Mobile Banking or smava have ads?

Neither HVB Mobile Banking nor smava shows ads.

### Which is updated more often, HVB Mobile Banking or smava?

HVB Mobile Banking ships an update monthly, and smava every 3 weeks. Most recently, HVB Mobile Banking was updated on September 24, 2026 and smava on September 23, 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.*