# NICU smartPay vs Eftsure ID

The clearest difference is update cadence: Eftsure ID at every 3 weeks against NICU smartPay's every 6 months. NICU smartPay's advantage is iOS requirement (13.0 vs 15.6). 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.

NICU smartPay ships an update every 6 months, Eftsure ID every 3 weeks. The most recent releases landed on June 4, 2026 and September 8, 2026 respectively.

## The numbers

| Metric | NICU smartPay | Eftsure ID |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 20.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 months | **Every 3 weeks** |
| Monetization | Free | — |
| Size | 106 MB | 9 MB |
| Requires iOS | **13.0** | 15.6 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Northern Inland Credit Union Limited](https://appshunter.io/developer/990505804) | [EFTsure](https://appshunter.io/developer/1407628807) |

## What reviewers say

### NICU smartPay

[App page](https://appshunter.io/ios/app/nicu-smartpay/id990507455)

Manage your finances with ease. View account balances, make payments, set savings goals, and control your cards directly from the home screen. Enjoy enhanced security features and quick access to all your banking needs.

**Highlights:** Quick Balance view, Biometric and PIN login, Instant transfers to members, External bank transfers, BPAY payments, Expense tracking, Card management

**Features:** macOS Compatibility

**In-app purchases:** none


### Eftsure ID

[App page](https://appshunter.io/ios/app/eftsure-id/id1641672859)

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

**In-app purchases:** none


## Frequently asked questions

### Is NICU smartPay free?

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

### Is Eftsure ID free?

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

### Do NICU smartPay or Eftsure ID have ads?

Neither NICU smartPay nor Eftsure ID shows ads.

### Which is updated more often, NICU smartPay or Eftsure ID?

NICU smartPay ships an update every 6 months, and Eftsure ID every 3 weeks. Most recently, NICU smartPay was updated on June 4, 2026 and Eftsure ID on September 8, 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.*