Comparison

Privacy.com vs Budget Silos

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

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.

Highlights
  • Highly personalizable budgeting
  • Private financial control
  • Isolates cash flow
  • No data selling
  • No external ads
  • Affordable premium utility
Features
Read full description

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

Privacy.com4 screens
Budget Silos4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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.

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

Privacy.com ships an update every 4 weeks, Budget Silos every 9 days. Both last shipped on October 24, 2026.

Scorecard6 real differences · 4 level
Privacy.com versus Budget Silos: the parameters behind the verdict, then further details
ParameterPrivacy.comBudget Silos
PriceFreeFree
Rating4.5 (7.2K ratings) — better3.0 (2 ratings)
Positive reviews39.0% of reviews100.0% of reviews — better
Number of ratings7.2K — better2
Update frequencyEvery 4 weeksEvery 9 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree with in-app purchasesFreemium
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.1 — better26.4
Further details — not scored
Size55 MB24 MB
Age rating4+17+
DeveloperPay With Privacy, Inc.Atech Operating LLC

Customer experience

Privacy.com

All ratings7,157 ratings
Positive88.6%
Neutral1.3%
Negative10.1%
Written reviews177 reviews
Positive39.0%
Neutral4.0%
Negative57.1%

Budget Silos

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

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

Budget Silos

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Privacy.com

No in-app purchases

3 purchases

Budget Silos

Subscriptions3
  • Starter Monthly$1.991 Month
  • Budget Silos Pro$7.991 Month
  • Budget Silos Pro$59.991 Year

Questions

Is Privacy.com free?
Privacy.com is free to download, with no in-app purchases.
Is Budget Silos free?
Budget Silos is free to download, with in-app purchases available.
Which has better reviews, Privacy.com or Budget Silos?
Privacy.com is rated higher. Privacy.com averages 4.5 out of 5 from 7.2K ratings, while Budget Silos averages 3.0 from 2 ratings.
Do Privacy.com or Budget Silos have ads?
Neither Privacy.com nor Budget Silos shows ads.
Which is updated more often, Privacy.com or Budget Silos?
Privacy.com ships an update every 4 weeks, and Budget Silos every 9 days. Most recently, Privacy.com was updated on October 24, 2026 and Budget Silos on October 24, 2026.

Other comparisons