# SkyOne Card Access vs Finzy

The clearest difference is review sentiment: Finzy at 100% against SkyOne Card Access's 50%. Finzy also leads on update cadence (every 5 days vs every 7 months) and rating (5.0 vs 4.7). SkyOne Card Access's advantage is ratings volume (89 vs 4). 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.

Finzy holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: SkyOne Card Access has 89 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 50% of SkyOne Card Access's written reviews are positive against 100% of Finzy's.

SkyOne Card Access ships an update every 7 months, Finzy every 5 days. Both last shipped on October 24, 2026.

## The numbers

| Metric | SkyOne Card Access | Finzy |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (89 ratings)](https://appshunter.io/ios/app/skyone-card-access/id1209110497/reviews) | **[5.0 (4 ratings)](https://appshunter.io/ios/app/finzy-spending-tracker/id6804288916/reviews)** |
| Number of ratings | **89** | 4 |
| Positive reviews | 50.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 7 months | **Every 5 days** |
| Monetization | Free | Free |
| Size | 71 MB | 51 MB |
| Requires iOS | **16.0** | 16.4 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [SkyOne Federal Credit Union](https://appshunter.io/developer/491805994) | [Naga Sruthi Gullapalli](https://appshunter.io/developer/6793263183) |

## What reviewers say

### SkyOne Card Access

[App page](https://appshunter.io/ios/app/skyone-card-access/id1209110497)

Securely manage your SkyOne debit and credit cards with customizable alerts for transactions, balances, and more. Protect your card accounts with advanced encryption and use it alongside the iSky Mobile App for enhanced functionality.

**Highlights:** Set transaction amount alerts, Configure international transaction alerts, Receive low balance alerts, Enable declined transaction notifications, Monitor ATM withdrawals, Secure card account management, 256-bit SSL encryption

**Features:** Apple Wallet

**In-app purchases:** none


### Finzy

[App page](https://appshunter.io/ios/app/finzy-spending-tracker/id6804288916)

Effortlessly log expenses by speaking, scanning receipts, or quick taps. Set budgets, track bills, and gain insights into your spending habits with AI-powered analysis. All your data stays on your device, with optional cloud backup.

**Highlights:** Voice expense logging, Receipt scanning, Customizable budgets, Bill reminders, AI spending insights, Offline functionality, Data export

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is SkyOne Card Access free?

SkyOne Card Access is free to download, with no in-app purchases.

### Is Finzy free?

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

### Which has better reviews, SkyOne Card Access or Finzy?

Finzy is rated higher. SkyOne Card Access averages 4.7 out of 5 from 89 ratings, while Finzy averages 5.0 from 4 ratings.

### Do SkyOne Card Access or Finzy have ads?

Neither SkyOne Card Access nor Finzy shows ads.

### Which is updated more often, SkyOne Card Access or Finzy?

SkyOne Card Access ships an update every 7 months, and Finzy every 5 days. Most recently, SkyOne Card Access was updated on October 24, 2026 and Finzy 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.*