# RealTime vs Flare Account

The clearest difference is rating: Flare Account at 4.7 against RealTime's 3.2. Flare Account also leads on review sentiment (33% vs 0%) and ratings volume (4.7K vs 5). On price, ads, in-app purchases and monetization model there is nothing between them.

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

Flare Account holds the better App Store score, 4.7 against 3.2. That said, the two scores are not equally well evidenced: Flare Account has 4.7K ratings behind it against 5, so its average is the more settled of the two. Written reviews point the same way: 0% of RealTime's written reviews are positive against 33% of Flare Account's.

RealTime ships an update every 5 months, Flare Account every 2 months. The most recent releases landed on October 24, 2026 and October 27, 2026 respectively.

## The numbers

| Metric | RealTime | Flare Account |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.2 (5 ratings)](https://appshunter.io/ios/app/realtime-pay/id1141018948/reviews) | **[4.7 (4.7K ratings)](https://appshunter.io/ios/app/flare-account/id1243790889/reviews)** |
| Number of ratings | 5 | **4.7K** |
| Positive reviews | 0.0% of reviews | **32.7% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Every 2 months** |
| Monetization | Free | Free |
| Size | 22 MB | 68 MB |
| Requires iOS | 15.1 | **13.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [RealTime Software Solutions](https://appshunter.io/developer/1141018947) | [Netspend Corporation](https://appshunter.io/developer/381397907) |

## What reviewers say

### RealTime

[App page](https://appshunter.io/ios/app/realtime-pay/id1141018948)

This app allows clinical trial participants to easily submit expenses for reimbursement. Users can upload receipts, enter travel details for mileage calculation, and receive funds directly to their stipend card. It streamlines the reimbursement process for both participants and sponsors.

**Highlights:** Submit expense reimbursement, Upload receipts, Calculate travel mileage, Save preferred addresses, Receive stipend card funds, Get text notifications

**Features:** macOS Compatibility

**In-app purchases:** none


### Flare Account

[App page](https://appshunter.io/ios/app/flare-account/id1243790889)

Manage your ACE Flare account conveniently from your mobile device. Check balances, view transactions, send money to friends and family, and deposit checks remotely. This app offers a streamlined way to handle your finances on the go.

**Highlights:** Check account balance, View transaction history, Send money to friends and family, Mobile check deposit, Access optional Netspend Pre-Funded Check Service

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 💳 Great banking services
- 🕰️ Early direct deposit
- 👍 Reliable and accurate
- 🔒 Good security features
- 💯 Long-term customer satisfaction

**What reviewers complain about**

- 🐛 App crashes and freezes
- 🔍 Difficult to log in
- ⏱️ Slow customer service response
- 💰 Unexpected fees and charges
- 🚫 Discontinued features (mobile check capture)

**Reported bugs**

- App not loading or loading blank screen
- Login issues and account lockouts
- Mobile check capture not working

**Requested features**

- Bring back mobile check deposit
- Improve app stability and performance
- Enhance customer service experience
- Provide more transparency on fees


## Frequently asked questions

### Is RealTime free?

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

### Is Flare Account free?

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

### Which has better reviews, RealTime or Flare Account?

Flare Account is rated higher. RealTime averages 3.2 out of 5 from 5 ratings, while Flare Account averages 4.7 from 4.7K ratings.

### Do RealTime or Flare Account have ads?

Neither RealTime nor Flare Account shows ads.

### Which is updated more often, RealTime or Flare Account?

RealTime ships an update every 5 months, and Flare Account every 2 months. Most recently, RealTime was updated on October 24, 2026 and Flare Account on October 27, 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.*