# Bottomline PTX Auth vs NatWest ClearSpend

The clearest difference is update cadence: NatWest ClearSpend at every 3 months against Bottomline PTX Auth's every 12 months. On price, review sentiment, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Bottomline PTX Auth ships an update every 12 months, NatWest ClearSpend every 3 months. The most recent releases landed on November 2, 2026 and November 11, 2026 respectively.

## The numbers

| Metric | Bottomline PTX Auth | NatWest ClearSpend |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[4.2 (5 ratings)](https://appshunter.io/ios/app/natwest-clearspend/id1227471926/reviews)** |
| Number of ratings | — | **5** |
| Positive reviews | 0.0% of reviews | **6.4% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 12 months | **Every 3 months** |
| Monetization | Free | Free |
| Size | 29 MB | 58 MB |
| Requires iOS | 15.6 | **15.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Bottomline Technologies](https://appshunter.io/developer/528699510) | [National Westminster Bank plc](https://appshunter.io/developer/990584386) |

## What reviewers say

### Bottomline PTX Auth

[App page](https://appshunter.io/ios/app/bottomline-ptx-auth/id1041981602)

This app provides an extra layer of security for business payment processing. It generates one-time codes for logging in and authorizing transactions, enhancing the safety of your financial operations.

**Highlights:** Multi-Factor Authentication, One-time code generation, Offline code availability, Support for multiple accounts, Enhanced payment security

**Features:** macOS Compatibility

**In-app purchases:** none


### NatWest ClearSpend

[App page](https://appshunter.io/ios/app/natwest-clearspend/id1227471926)

Manage your business expenses with this app. It provides real-time balance, transaction details, credit limit settings, and card blocking. Administrators can also create departments and approve online purchases.

**Highlights:** Real-time balance information, View transactions (pending and declined), Set cardholder credit limits, Block/unblock employee cards, Approve online purchases, Create departments for spend segregation

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly (recent update)
- 👍 Improved functionality (recent update)
- 👍 Love the controls
- 💡 True innovation
- 💡 Intuitive and user friendly

**What reviewers complain about**

- 🐛 Crashes frequently
- 🐛 App won't open
- 🐛 Unable to login
- 🐛 Limited functionality
- 🐛 Misleading information

**Reported bugs**

- App crashes
- App doesn't let you login
- Face ID integration only works once
- App won't even open
- App crashes on opening

**Requested features**

- Integrate BusinessCards into NatWest Banking app
- Allow downloading PDF copies of statements
- Improve Face ID integration
- Allow login for multiple business accounts
- Show credit card balances in main NatWest banking app


## Frequently asked questions

### Is Bottomline PTX Auth free?

Bottomline PTX Auth is free to download, with no in-app purchases.

### Is NatWest ClearSpend free?

NatWest ClearSpend is free to download, with no in-app purchases.

### Do Bottomline PTX Auth or NatWest ClearSpend have ads?

Neither Bottomline PTX Auth nor NatWest ClearSpend shows ads.

### Which is updated more often, Bottomline PTX Auth or NatWest ClearSpend?

Bottomline PTX Auth ships an update every 12 months, and NatWest ClearSpend every 3 months. Most recently, Bottomline PTX Auth was updated on November 2, 2026 and NatWest ClearSpend on November 11, 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.*