# EFE vs ID Watchdog

EFE and ID Watchdog both sit at 4.6 stars, but that hides the real split: 53% of EFE's written reviews are positive against 23% of ID Watchdog's. EFE also leads on monetization model (ad-supported vs free with in-app purchases) and ratings volume (7.7K vs 1.5K). On price, rating, update cadence and ads there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.6 for EFE against 4.6 for ID Watchdog. That said, the two scores are not equally well evidenced: EFE has 7.7K ratings behind it against 1.5K, so its average is the more settled of the two. Written reviews are what separate them: 53% of EFE's written reviews are positive against 23% of ID Watchdog's.

EFE ships an update every 6 weeks, ID Watchdog every 3 weeks. Both last shipped on October 26, 2026.

## The numbers

| Metric | EFE | ID Watchdog |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (7.7K ratings)](https://appshunter.io/ios/app/efe/id1130545630/reviews)** | [4.6 (1.5K ratings)](https://appshunter.io/ios/app/id-watchdog/id1227744009/reviews) |
| Number of ratings | **7.7K** | 1.5K |
| Positive reviews | **53.3% of reviews** | 22.8% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Every 3 weeks** |
| Monetization | **Ad-supported** | Free with in-app purchases |
| Size | 115 MB | 47 MB |
| Requires iOS | 16.0 | **15.5** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Edelman Financial Engines, LLC](https://appshunter.io/developer/1090148019) | [Equifax](https://appshunter.io/developer/347634123) |

## What reviewers say

### EFE

[App page](https://appshunter.io/ios/app/efe/id1130545630)

Access your financial accounts and track progress toward your goals. View your portfolio, link external accounts, and connect with an advisor or planner. Review statements and plan updates for a comprehensive financial overview.

**Highlights:** Track retirement goal progress, View total portfolio and account details, Link outside accounts, View Net Worth, Connect with an advisor/planner, Review activity feed and statements

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly
- 🚀 Easy to navigate
- 💡 Comprehensive account information
- 🔒 Secure login process
- 🚀 Convenient mobile access

**What reviewers complain about**

- 🐛 Inconsistent data updates
- 🔍 Limited functionality compared to website
- 🔍 Difficulty linking external accounts
- 🔍 Lack of detailed investment performance data
- 🔍 Confusing retirement projections

**Reported bugs**

- Login issues after recent app update
- Incorrect account balances displayed
- Inability to manually update liability information

**Requested features**

- Add ability to view historical account data and performance
- Improve syncing with external financial accounts
- Provide more customization options for retirement planning
- Include tax document access within the app
- Enhance reporting and analytics capabilities


### ID Watchdog

[App page](https://appshunter.io/ios/app/id-watchdog/id1227744009)

Safeguard your personal information and that of your family with real-time alerts for suspicious activity. Control access to your credit report, monitor the dark web, and receive expert help if your identity is compromised.

**Highlights:** Real-time alerts for suspicious activity, Credit report lock and unlock, Dark web monitoring, Family protection plans, Expert identity restoration support, Credit score tracking

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

**In-app purchases:** none

**What reviewers like**

- 👍 Easy navigation
- 🚀 Impressive enhancements
- 🔒 Critical protection during crises
- 💡 Dual bureau lock

**What reviewers complain about**

- 🐛 Slow and difficult to use
- 🐛 Cannot log in
- 🐛 Navigation on app is limited
- 🐛 App not working
- 🐛 Can't login with internet error

**Reported bugs**

- Frequent crashes and login issues
- Compatibility problems with iOS versions
- Unreliable alerts and notifications
- Unresponsive customer support

**Requested features**

- Easier login and password reset
- Family account management
- More detailed alerts and information


## Frequently asked questions

### Is EFE free?

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

### Is ID Watchdog free?

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

### Which has better reviews, EFE or ID Watchdog?

EFE is rated higher. EFE averages 4.6 out of 5 from 7.7K ratings, while ID Watchdog averages 4.6 from 1.5K ratings.

### Do EFE or ID Watchdog have ads?

Neither EFE nor ID Watchdog shows ads.

### Which is updated more often, EFE or ID Watchdog?

EFE ships an update every 6 weeks, and ID Watchdog every 3 weeks. Most recently, EFE was updated on October 26, 2026 and ID Watchdog on October 26, 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.*