# Wisr – smarter money habits — Save money & pay down debt

> Financial management app for credit scores, loans, savings, and data breach alerts. (iPhone/iPad app by WISR FINANCE PTY LTD.)

- Source: https://appshunter.io/ios/app/wisr-smarter-money-habits/id1368389391 (this page in markdown: same URL + `.md`)
- Developer: [WISR FINANCE PTY LTD](https://appshunter.io/developer/1368389390)
- Category: Finance, Education
- Price: Free
- Rating: 4.79/5 from 1,663 App Store ratings · 82 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.6 · 78 MB
- Languages: American English
- Released: 2018-08-05
- Data updated: 2026-09-02
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/wisr-smarter-money-habits/id1368389391/reviews.md

## What is Wisr?

Take control of your finances with Wisr! 

Track your credit score, manage loans, protect your data, and get smart money tips - all in one app.

Power your progress towards what matters most!

CHECK YOUR CREDIT SCORE
Track your Equifax credit score in real-time
See where you stand and understand your borrowing power

APPLY FOR A LOAN
Apply for a personal loan or secured vehicle loan in minutes
Choose from cars, debt consolidation, home improvements, and more
Take the first step towards making your goals a reality!

MANAGE YOUR WISR LOAN
Easily check your balance and see your progress
Make extra repayments to pay off debt faster
Change your repayment frequency to match your pay cycle

GET SMART MONEY TIPS
Receive actionable tips to spend smarter, save better, and grow your wealth

STAY ACROSS DATA BREACHES
Get alerted if your email appears in a data breach
See helpful tips to protect your digital identity and peace of mind

Join thousands of Australians using Wisr to take control of their financial future. Download Wisr today and make smarter financial decisions.

Wisr Finance Pty Ltd ACN 119 503 221 holds an Australian Credit Licence No. 458572.

All credit activities are subject to Wisr's standard terms, conditions, and policies.

## Key features

- Monitor credit scores with personalized insights
- Secure digital identity with data breach monitoring
- Automate savings with purchase round-ups
- Manage and make extra loan repayments
- Learn money-saving strategies
- Get personalized loan rate estimates

## What do users think of Wisr?

Overall sentiment: mixed

**Pros**

- 💡 Innovative round-up concept for debt repayment
- 👍 Easy to set up and use
- 🚀 Passive payments require minimal effort
- 💰 Effective at paying down debt without noticing
- 😊 Helpful and responsive customer support (when available)
- 📊 Good visual design and user interface
- 🔄 Set and forget functionality
- 💳 Works seamlessly with card transactions
- 🎯 Motivating to see debt decrease over time
- ⚡ Quick debt payoff results

**Cons**

- 🐛 Frequent app crashes and freezing issues
- ⏱️ Extremely slow customer support response times
- 🔗 Inconsistent bank account integration
- 🚫 Difficult account deletion process
- 💸 Unexplained charges and deductions
- 🔐 Security concerns with financial data access
- 📱 Multiple login steps required each time
- ❌ Feature removal without explanation (Experian credit scores)
- ⚠️ Misleading claims about credit score usage
- 🔄 Inconsistent round-up functionality
- 📞 No phone support available
- 🚨 Account lockout issues
- 🔌 Poor bank connectivity and compatibility

**Commonly reported bugs**

- App fails to round up all purchases
- Email verification stuck in loop
- Bank account linking fails or doesn't save
- Auto-payment failures requiring manual intervention
- Login timeouts and PIN rejection errors
- Touch ID/Face ID not working consistently
- App doesn't display all linked bank accounts
- Credit score loading failures
- Account lockout after incorrect PIN attempts
- Blank input screens for banking details
- App reinstalls old version after update
- Yodlee provider list errors
- Inconsistent withdrawal scheduling

**Most requested features**

- Customizable round-up amounts (e.g., round to $1, $5, $10)
- Savings account option in addition to debt repayment
- Support for car loans and student loan debt
- Push notifications or email reminders before debit
- Ability to delay direct debits if needed
- Better transaction history and clarity
- Single login method (Face ID or PIN, not both)
- Support for international students and non-citizens
- Expanded bank compatibility
- In-app account deletion option
- Phone support availability

## Recent user reviews (10 of 82)

All indexed reviews: https://appshunter.io/ios/app/wisr-smarter-money-habits/id1368389391/reviews.md

### 1/5 — Can’t log in

*2026-07-01, version 6.2.40*

Have reset my password a dozen or so times and it still won’t let me log in. 
FFS. *DELETE*

### 5/5 — Vish

*2026-03-03, version 6.0.2*

Easy and convenient to use

### 5/5 — Thanks for app

*2026-01-13, version 5.36.1*

Always be careful

### 5/5 — Nice job

*2025-11-13, version 5.35.0*

Great team to work with

### 2/5 — Less useful since the last update

*2025-09-17, version 5.34.0*

Used to enjoy this app because it provided an easy way to track my credit scores from the two main credit score agencies in Australia - Equifax and Experian. Since the last update, Experian is no longer there. Since there was notification provided as to why it’s now gone, and I couldn’t find information on their website about it being removed (or ever having existed, despite it being in the app for many years) I reached out to customer support to ask. I was provided with the generic “we’ve removed Wisr’s Experian credit scores to simplify your experience. You’ll now only see your Equifax credit score, making it easier to understand where you stand.” Sorry Wisr, I found it easier to understand where I stood with both credit scores available, and it wasn’t exactly a complicated experience having both scores there, did anyone actually ask for their experience to be simpler? Experian probably charged too much to access their data, or changed their policies or something, the least Wisr could do is be honest about why they’ve removed a feature that was there for a very long time.

### 5/5 — Handy helper

*2025-03-09, version 5.32.0*

An easy-to-use app that’s helpful and pretty to look at

### 1/5 — Useless organisation and pointless app now deleted.

*2024-09-09, version 5.28.0*

They claim to use your credit score to provide offers. Even suggesting credit lines based on your scores. You think, great I’ll do it this way because I’ll save some money in the next few years. First they don’t respond, then they mark it on your credit report, then they decline and the excuse is they look at serviceability. The loan servicing is lower than the credit card repayments - how can one not be affordable , but the other is? They capture a lot of info and provide you with nothing. Clearscore is a much better alternative. 

Also if you link your accounts through their service when applying for finance through them, they access your accounts multiple times - unnecessary. Over a period of a week they caused me to have to change my password 3 times and flagged my account with my bank.

### 5/5 — Gain so much

*2023-10-12, version 5.3.0*

Finally an app that helps you out with so much especially financially removing money to help me to save my money and to stick to my goals 
Helped me so much

### 1/5 — Worst app

*2023-05-18, version 4.19.0*

Customer service is so terrible plus never got my money saved after asking to close my account.

### 4/5 — Wisr

*2023-05-12, version 4.18.0*

I really like the app my only gripe is that it takes almost. Week for money to be debited out of my account into WISR and then into my super

## Frequently asked questions about Wisr

### What does the Wisr App do?

The Wisr App is a financial tool designed to help users make smarter money decisions. It allows you to monitor your credit scores, manage your Wisr loan, automate savings through purchase round-ups, and improve your financial knowledge with interactive challenges.

### What are the key features of the Wisr App?

Key features include checking and monitoring your credit scores with personalized insights, staying informed about data breaches with BreachAlert, supercharging savings with round-ups, making extra loan repayments, and accessing personalized loan offers.

### Is the Wisr App free to use?

Based on the provided information, the Wisr App is available for free. There is no mention of subscription fees or in-app purchases for core functionalities.

### Who is the Wisr App for?

This app is ideal for individuals who want to take control of their finances. It's particularly useful for those looking to improve their credit scores, manage existing loans, build savings, and protect their digital identity from potential data breaches.

### How does the app help with saving money?

The app facilitates saving money through a feature called 'round ups'. It rounds up your everyday purchases to the nearest dollar amount you set and directs the spare change towards your savings goals or debt repayment. Additionally, it offers 'Smart Moves' which are interactive challenges to teach effective saving strategies.

## Version history (last 5 releases)

### 6.2.48(263) — 2026-08-26

Performance improvements and bug fixes.

### 6.2.47(261) — 2026-08-10

This update includes performance and reliability improvements to how links open in the app, plus general under-the-hood maintenance.

### 6.2.45(258) — 2026-08-03

- New in-app financial assistant — rolling out to all in stages.
- Performance and stability improvements.

### 6.2.40 — 2026-06-01

Bug fixes and general improvements

### 6.2.38 — 2026-04-22

Bug fixes.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-02.*