Comparison

NetSpend Small Business vs Zil.US

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

NetSpend Small Business

Manage your business finances on the go. Easily track income and expenses, simplify tax preparation with organized transactions, and accept payments directly through the app. Keep business and personal finances separate for better control.

Highlights
  • Separate business and personal expenses
  • Organize transactions for tax preparation
  • Accept payments on the go
  • Load checks, cash, and card payments
  • Secure and fast financial management
Features
Read full description

The NetSpend Small Business Mobile App lets you manage your account wherever you are, whenever you need it. That means it’s easy to do things like: * Keep your business and personal expenses separate. It’s simple to track how much money you are bringing in, and where you are spending it. * Simplify your taxes. Keep your transactions organized to export them for quarterly and end-of-year tax returns. * Accept payments on the go. Load checks, cash, or credit and debit card payments to your Card Account. It’s secure, fast, and best of all, free.** * Mobile Check Load is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions, and Privacy Policy. Approval review usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Fees apply for approved Money in Minutes transactions funded to your card. Unapproved checks will not be funded to your card. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for message and data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card. See your Cardholder Agreement for details. ** While this feature is available for free, certain other transaction fees and costs, terms, and conditions are associated with the use of this Card. See the Cardholder Agreement for details.

About

Zil.US

This app offers a comprehensive online banking solution for businesses and individuals. It provides features like free checking accounts, early direct deposit, and tools for building credit. Manage your finances with secure, modern banking tools and no hidden fees.

Highlights
  • Free business/personal checking accounts
  • Early direct deposit
  • Credit builder tool
  • Fee-free ACH and wire transfers
  • Instant and physical Visa cards
  • Card management with custom limits
  • Two-factor authentication
Features
Read full description

Zil.US is an online banking experience that will meet all your business needs. Open a free business or personal checking account. Free, safe security features, overdraft, and get paid two days early with no hidden fee. ALL IN ONE PLATFORM Simple modern Banking, ACH, wire, Credit build, Printable checks, Cash Back, Instant Visa card, Physical Card, multiple cards for many users with customized limits, block card in a single tap. TRUSTED BY BUSINESSES You control your banking with two-factor authentication, instant alert, daily balances, etc., GOODBYE TO HIDDEN FEES No monthly fee, No hidden Fee, No minimum Balance required. A NEW WAY TO BUILD CREDIT Use our modern credit builder and increase your credit score sooner than you think with regular on-time payments. PAY VENDOR, PAYEES, FRIENDS WITH NO TRANSFER FEES Send money to anyone without any transfer fee.

Screenshots

NetSpend Small Business4 screens
Zil.US4 screens

Verdict

The call

The clearest difference is rating: NetSpend Small Business at 3.2 against Zil.US's 2.0. NetSpend Small Business also leads on review sentiment (33% vs 0%) and iOS requirement (13.0 vs 15.0). Zil.US's advantage is update cadence (every 2 weeks vs every 3 months). On price, ratings volume, ads and in-app purchases 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. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

NetSpend Small Business holds the better App Store score, 3.2 against 2.0. Both are backed by a comparable volume of ratings — 29 and 11 respectively. Written reviews point the same way: 33% of NetSpend Small Business's written reviews are positive against 0% of Zil.US's.

UpkeepUpdate frequency

NetSpend Small Business ships an update every 3 months, Zil.US every 2 weeks. The most recent releases landed on October 22, 2026 and October 30, 2026 respectively.

Scorecard4 real differences · 6 level
NetSpend Small Business versus Zil.US: the parameters behind the verdict, then further details
ParameterNetSpend Small BusinessZil.US
PriceFreeFree
Rating3.2 (29 ratings) — better2.0 (11 ratings)
Positive reviews33.3% of reviews — better0.0% of reviews
Number of ratings29 — better11
Update frequencyEvery 3 monthsEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS13.0 — better15.0
Further details — not scored
Size47 MB51 MB
Age rating4+4+
DeveloperNetspend Corporationonlinecheckwriter

Customer experience

NetSpend Small Business

All ratings30 ratings
Positive56.7%
Neutral3.3%
Negative40.0%
Written reviews6 reviews
Positive33.3%
Neutral0.0%
Negative66.7%

Zil.US

All ratings10 ratings
Positive30.0%
Neutral0.0%
Negative70.0%
Written reviews5 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

NetSpend Small Business

No in-app purchases

None

Zil.US

No in-app purchases

Questions

Is NetSpend Small Business free?
NetSpend Small Business is free to download, with no in-app purchases.
Is Zil.US free?
Zil.US is free to download, with no in-app purchases.
Which has better reviews, NetSpend Small Business or Zil.US?
NetSpend Small Business is rated higher. NetSpend Small Business averages 3.2 out of 5 from 29 ratings, while Zil.US averages 2.0 from 11 ratings.
Do NetSpend Small Business or Zil.US have ads?
Neither NetSpend Small Business nor Zil.US shows ads.
Which is updated more often, NetSpend Small Business or Zil.US?
NetSpend Small Business ships an update every 3 months, and Zil.US every 2 weeks. Most recently, NetSpend Small Business was updated on October 22, 2026 and Zil.US on October 30, 2026.

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