# bankNOW vs SpendTrack

The clearest difference is rating: SpendTrack at 4.7 against bankNOW's 2.8. SpendTrack also leads on ads (none vs shown) and update cadence (monthly vs every 7 months). On price, ratings volume, in-app purchases and device support there is nothing between them.

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

SpendTrack holds the better App Store score, 4.7 against 2.8. Both are backed by a comparable volume of ratings — 6 and 7 respectively.

bankNOW ships an update every 7 months, SpendTrack monthly. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | bankNOW | SpendTrack |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.8 (6 ratings)](https://appshunter.io/ios/app/banknow/id1120681771/reviews) | **[4.7 (7 ratings)](https://appshunter.io/ios/app/spendtrack/id1672652764/reviews)** |
| Number of ratings | 6 | **7** |
| Positive reviews | 0.0% of reviews | — |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 7 months | **Monthly** |
| Monetization | Ad-supported | **Free** |
| Size | 21 MB | 69 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Nicolet National Bank](https://appshunter.io/developer/517812177) | [Fiserv, Inc](https://appshunter.io/developer/386678214) |

## What reviewers say

### bankNOW

[App page](https://appshunter.io/ios/app/banknow/id1120681771)

Manage your business finances conveniently and securely from your mobile device. Check balances, view transactions, deposit checks, and approve pending transfers like ACH and wire transfers. Get started by contacting your bank's treasury management team.

**Highlights:** Check account balances, View transaction history, Deposit checks via photo, Transfer funds between accounts, Approve pending transactions, Receive approval alerts

**Features:** Vision Pro support

**In-app purchases:** none


### SpendTrack

[App page](https://appshunter.io/ios/app/spendtrack/id1672652764)

Manage business card programs and expenses digitally. Employees can make payments and submit reports, while managers can oversee accounts, credit lines, and approvals. Features real-time card controls and intelligent receipt capture.

**Highlights:** Digital card management, Expense report submission, Real-time card controls, Intelligent receipt capture, Spend analytics, Customizable workflows

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is bankNOW free?

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

### Is SpendTrack free?

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

### Which has better reviews, bankNOW or SpendTrack?

SpendTrack is rated higher. bankNOW averages 2.8 out of 5 from 6 ratings, while SpendTrack averages 4.7 from 7 ratings.

### Do bankNOW or SpendTrack have ads?

bankNOW shows ads; SpendTrack does not.

### Which is updated more often, bankNOW or SpendTrack?

bankNOW ships an update every 7 months, and SpendTrack monthly. Most recently, bankNOW was updated on November 2, 2026 and SpendTrack on November 3, 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.*