Privacy.com vs Budget Silos
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Create virtual payment cards
- Merchant-locked cards
- One-time-use cards
- Customizable spending limits
- Real-time transaction monitoring
- Pause/unpause/close cards
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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.
Budget Silos
This app offers a private and customizable budgeting experience without intrusive ads or data selling. It focuses on isolating cash flow for pure financial control on your own terms, providing a straightforward utility at an affordable price.
- Highly personalizable budgeting
- Private financial control
- Isolates cash flow
- No data selling
- No external ads
- Affordable premium utility
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Too many budgeting apps on the market today feel like corporate traps drowning you in credit card offers, or overpriced platforms that charge a massive premium for a rigid, one-size-fits-all ideology. Budget Silos was built as a breath of fresh air. We offer an affordable, highly personalizable, and private niche space designed to give you pure financial control on your own terms. Any tracking here is strictly functional—built entirely to help you isolate your cash flow, never to sell your data or serve you external ads. Our only goal is to provide a straightforward, premium utility that actually works for you. If you want a private, no-nonsense budget customized your way without the heavy price tag, this is it. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is review sentiment: Budget Silos at 100% against Privacy.com's 39%. Budget Silos also leads on update cadence (every 9 days vs every 4 weeks). Privacy.com's advantage is rating (4.5 vs 3.0) and in-app purchases (none vs 3). On price, ads, monetization model 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
Both are free to download. Budget Silos sells 3 in-app purchases, starting at $1.99 per month. Privacy.com asks for nothing beyond the download.
Privacy.com holds the better App Store score, 4.5 against 3.0. That said, the two scores are not equally well evidenced: Privacy.com has 7.2K ratings behind it against 2, so its average is the more settled of the two. Written reviews complicate that: 39% of Privacy.com's written reviews are positive against 100% of Budget Silos's, so the app with the better star average is not the one people write more warmly about.
Privacy.com ships an update every 4 weeks, Budget Silos every 9 days. Both last shipped on October 24, 2026.
| Parameter | Privacy.com | Budget Silos |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (7.2K ratings) — better | 3.0 (2 ratings) |
| Positive reviews | 39.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 7.2K — better | 2 |
| Update frequency | Every 4 weeks | Every 9 days — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free with in-app purchases | Freemium |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 15.1 — better | 26.4 |
| Further details — not scored | ||
| Size | 55 MB | 24 MB |
| Age rating | 4+ | 17+ |
| Developer | Pay With Privacy, Inc. | Atech Operating LLC |
Customer experience
Privacy.com
Budget Silos
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
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- Browser extension
Budget Silos
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Privacy.com
No in-app purchases
Budget Silos
- Starter Monthly$1.991 Month
- Budget Silos Pro$7.991 Month
- Budget Silos Pro$59.991 Year









