Comparison

Privacy.com vs SubFreeze

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Privacy.com

Safeguard your online transactions by creating virtual payment cards. Protect your actual financial details from compromised cards, unexpected charges, and recurring subscription fees. Enjoy enhanced security and control over your spending with customizable limits and real-time monitoring.

Highlights
  • Create virtual payment cards
  • Merchant-locked cards
  • One-time-use cards
  • Customizable spending limits
  • Real-time transaction monitoring
  • Pause/unpause/close cards
Features
Read full description

Stop exposing your credit or debit card information and protect your online payments with Privacy. Join over 250,000 users who have saved millions of dollars by using Privacy to block unwanted charges from compromised cards, overcharging, hidden fees, and forgotten subscriptions. Getting started with Privacy is simple: create your account, verify your information, securely link your bank account or debit card, and request your first virtual card. Start shopping and enjoy the added layer of protection Privacy provides to protect you from payment card theft and fraud. Benefits: - Shield your true financial information: Our Privacy Cards mask your debit card or bank account number to help protect you from card theft and fraud. Pay with greater privacy and security anytime, anywhere on desktop or on mobile. - Create merchant-locked and one-time-use cards: Our cards automatically "lock" to the first merchant they are used at, so if the merchant is ever breached, the card number can never be used anywhere else. You can also create one-time-use cards that automatically close after a single transaction. - Take complete control over your spending: Set customizable spending limits to prevent overcharging and block hidden fees—perfect for managing subscriptions and recurring expenses. If a transaction goes over the limit, we will automatically decline it. - Leverage real-time transaction monitoring: Receive notifications any time a Privacy Card is used. Easily pause, unpause, and close Privacy Cards any time with just one push of a button. Privacy’s core product is free to use on domestic transactions, because, like other card companies, we collect transaction fees from merchants. Privacy Cards can be used at most merchants that accept credit and debit cards. The security of our users’ personal information and data is critical to everything that we do at Privacy. You can review our security policies at https://privacy.com/security. Read about us in Forbes, Wirecutter, and The Wall Street Journal! For support, questions, or more information, please contact us at support@privacy.com.

About

SubFreeze

Features
Read full description

Never get surprised by a renewal charge again. SubFreeze helps you track, manage, and optimize your recurring expenses in one beautiful, private place. Key Features: • All Your Subs in One Place: Visualize your monthly and yearly spending instantly. • Smart Reminders: Get notified before a bill hits so you can cancel in time. • iCloud Sync: Your data stays private and syncs automatically between your iPhone and iPad. • Interactive Widgets: See your upcoming bills right from your Home Screen. • Spending Insights: Beautiful charts break down your expenses by category (Entertainment, Work, Utilities). • Privacy First: Your data is stored in your personal iCloud container. We don't see it, sell it, or touch it. Take control of your financial life today with SubFreeze. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://docs.google.com/document/d/1wzfsKOOkJyOQQlaB_8Z9OsZnQT6T8qemIgq5c0-cGq8/edit?usp=sharing

Screenshots

Privacy.com4 screens
SubFreeze4 screens

Verdict

The call

The clearest difference is in-app purchases: Privacy.com at none against SubFreeze's 2. Privacy.com also leads on iOS requirement (15.1 vs 18.5). On price, update cadence, ads and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. SubFreeze sells 2 in-app purchases, starting at $4.99 per year. Privacy.com asks for nothing beyond the download.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on September 22, 2026 and September 10, 2026 respectively.

Scorecard2 real differences · 8 level
Privacy.com versus SubFreeze: the parameters behind the verdict, then further details
ParameterPrivacy.comSubFreeze
PriceFreeFree
Rating4.5 (7.1K ratings) — better—
Positive reviews38.9% of reviews—
Number of ratings7.1K — better—
Update frequencyEvery 3 weeksEvery 3 weeks
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree with in-app purchases—
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.1 — better18.5
Further details — not scored
Size55 MB4 MB
Age rating4+4+
DeveloperPay With Privacy, Inc.Alaa Bashiyi

Bugs and requests

Privacy.com

Reported bugs

5 issues
  • Half of the time I cannot open the app after it was closed as FaceID is broken and disables keyboard entry
  • Automatically pausing cards set up for annual payments
  • Transactions being authorized multiple times on one-time use cards
  • App crashing issues
  • Compatibility issues with newer debit cards

Requested features

6 requests
  • Ability to search transactions by dollar amount
  • Option to hide closed cards
  • Ability to preload cards for budgeting
  • Option to set cards back to no limit
  • Landscape mode support
Show 1 more
  • Browser extension

SubFreeze

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Privacy.com

No in-app purchases

2 purchases

SubFreeze

Subscriptions1
  • Yearly Pro$4.991 Year
One-time1
  • Lifetime Pro$14.99

Questions

Is Privacy.com free?
Privacy.com is free to download, with no in-app purchases.
Is SubFreeze free?
SubFreeze is free to download, with in-app purchases available.
Do Privacy.com or SubFreeze have ads?
Neither Privacy.com nor SubFreeze shows ads.
Which is updated more often, Privacy.com or SubFreeze?
Privacy.com ships an update every 3 weeks, and SubFreeze every 3 weeks. Most recently, Privacy.com was updated on September 22, 2026 and SubFreeze on September 10, 2026.

Other comparisons