# POSB Smart Buddy vs Endowus

The clearest difference is review sentiment: Endowus at 93% against POSB Smart Buddy's 50%. Endowus also leads on rating (4.6 vs 3.8) and update cadence (every 4 days vs every 2 months). POSB Smart Buddy's advantage is monetization model (free vs free with in-app purchases) and iOS requirement (12.0 vs 15.0). On price, ratings volume, ads and in-app purchases there is nothing between them.

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

Endowus holds the better App Store score, 4.6 against 3.8. Both are backed by a comparable volume of ratings — 12 and 23 respectively. Written reviews point the same way: 50% of POSB Smart Buddy's written reviews are positive against 93% of Endowus's.

POSB Smart Buddy ships an update every 2 months, Endowus every 4 days. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | POSB Smart Buddy | Endowus |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.8 (12 ratings)](https://appshunter.io/ios/app/posb-smart-buddy/id1214272559/reviews) | **[4.6 (23 ratings)](https://appshunter.io/ios/app/endowus/id1531067679/reviews)** |
| Number of ratings | 12 | **23** |
| Positive reviews | 50.0% of reviews | **92.5% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 4 days** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 101 MB | 171 MB |
| Requires iOS | **12.0** | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [NETS (Singapore) Pte Ltd.](https://appshunter.io/developer/644090154) | [Endowus Technologies Pte. Ltd.](https://appshunter.io/developer/1531067681) |

## What reviewers say

### POSB Smart Buddy

[App page](https://appshunter.io/ios/app/posb-smart-buddy/id1214272559)

This wearable device and app allows children to manage their savings and make payments within school and at select merchants. Parents can instantly increase allowances, monitor spending, and encourage good financial habits. It also tracks fitness levels.

**Highlights:** In-school savings and payments, Tap to pay functionality, Check account balances, Track fitness levels, Set daily/weekly allowances, Create savings goals, Monitor spending and savings

**Features:** Vision Pro support

**In-app purchases:** none


### Endowus

[App page](https://appshunter.io/ios/app/endowus/id1531067679)

This app helps users invest and grow their wealth through personalized financial plans and access to low-cost, globally diversified portfolios. It offers a seamless digital investing experience with expert advice and institutional-grade funds.

**Highlights:** Personalized financial planning, Globally diversified portfolios, Low-cost institutional funds, Goal-based investing, Auto rebalancing & monitoring, 100% trailer fee cashback

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly interface
- 💡 Access to institutional investors/funds
- 💰 Low cost/fees
- 🤝 Helpful human advisors
- ✅ Easy to use app

**What reviewers complain about**

- 🐛 Font size too small
- 🤔 UI confusing at times
- 📱 App cluttered with irrelevant content
- 💻 Webapp-like experience
- ⏳ Longer withdrawal times

**Reported bugs**

- Details have to be retyped when switching screens
- App can be cluttered with irrelevant content
- Bug on the More section where account and preferences doesn't seem to work

**Requested features**

- Option to increase font size
- Option to include performance net of fees
- User-customized reordering or grouping of investments
- Option to hide or move celebrity/influencer tiles
- Seamless rebalancing of CPF portfolios


## Frequently asked questions

### Is POSB Smart Buddy free?

POSB Smart Buddy is free to download, with no in-app purchases.

### Is Endowus free?

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

### Which has better reviews, POSB Smart Buddy or Endowus?

Endowus is rated higher. POSB Smart Buddy averages 3.8 out of 5 from 12 ratings, while Endowus averages 4.6 from 23 ratings.

### Do POSB Smart Buddy or Endowus have ads?

Neither POSB Smart Buddy nor Endowus shows ads.

### Which is updated more often, POSB Smart Buddy or Endowus?

POSB Smart Buddy ships an update every 2 months, and Endowus every 4 days. Most recently, POSB Smart Buddy was updated on October 24, 2026 and Endowus on October 25, 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.*