# SpendSay vs VCBF Mobile

The clearest difference is rating: SpendSay at 4.8 against VCBF Mobile's 4.0. SpendSay also leads on update cadence (every 5 days vs every 2 months). VCBF Mobile's advantage is in-app purchases (none vs 2) and iOS requirement (13.0 vs 17.0). On price, ratings volume, ads and device support there is nothing between them.

Both are free to download. SpendSay sells 2 in-app purchases, starting at $2.49 per month. VCBF Mobile asks for nothing beyond the download.

SpendSay holds the better App Store score, 4.8 against 4.0. Both are backed by a comparable volume of ratings — 5 and 7 respectively.

SpendSay ships an update every 5 days, VCBF Mobile every 2 months. Both last shipped on October 24, 2026.

## The numbers

| Metric | SpendSay | VCBF Mobile |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (5 ratings)](https://appshunter.io/ios/app/spendsay/id1120529246/reviews)** | [4.0 (7 ratings)](https://appshunter.io/ios/app/vcbf-mobile/id6444042501/reviews) |
| Number of ratings | 5 | **7** |
| Positive reviews | 64.3% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Every 5 days** | Every 2 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 99 MB | 38 MB |
| Requires iOS | 17.0 | **13.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [UnityRoot Solutions Inc](https://appshunter.io/developer/1740921442) | [Công ty Liên Doanh Quản Lý Quỹ Đầu Tư Chứng Khoán Vietcombank (VCBF)](https://appshunter.io/developer/1651821528) |

## What reviewers say

### SpendSay

[App page](https://appshunter.io/ios/app/spendsay/id1120529246)

This app offers a unique voice-based system for logging expenses, automatically categorizing them and tracking amounts. It gamifies budgeting with a monster-raising feature and includes financial simulations to teach smart money management. Users can also import electronic invoices and compare spending habits with others.

**Highlights:** Voice-activated expense logging, Automatic expense categorization, Monster-raising gamification, Financial simulation games, Electronic invoice import, Spending comparison reports, Data export and import

**Features:** macOS Compatibility, Family Sharing, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 定期每月訂閱 | $2.49 | per month |
| 年訂閱完整版 | $26.99 | per year |


### VCBF Mobile

[App page](https://appshunter.io/ios/app/vcbf-mobile/id6444042501)

Manage your investment portfolio with this application from Vietcombank Fund Management. Register accounts digitally, track performance, and access market insights and educational content. Professionally managed funds aim for better profits and reduced risk.

**Highlights:** Digital account registration (eKYC), Portfolio performance tracking, Fund certificate trading (buy, sell, switch), Transaction history review, Market analysis and insights, Webinars, livestreams, and podcasts, Customer support via hotline and email

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is SpendSay free?

SpendSay is free to download, with in-app purchases available.

### Is VCBF Mobile free?

VCBF Mobile is free to download, with no in-app purchases.

### Which has better reviews, SpendSay or VCBF Mobile?

SpendSay is rated higher. SpendSay averages 4.8 out of 5 from 5 ratings, while VCBF Mobile averages 4.0 from 7 ratings.

### Do SpendSay or VCBF Mobile have ads?

Neither SpendSay nor VCBF Mobile shows ads.

### Which is updated more often, SpendSay or VCBF Mobile?

SpendSay ships an update every 5 days, and VCBF Mobile every 2 months. Most recently, SpendSay was updated on October 24, 2026 and VCBF Mobile on October 24, 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.*