NatWest ClearSpend vs Xpensy
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
NatWest ClearSpend
Manage your business expenses with this app. It provides real-time balance, transaction details, credit limit settings, and card blocking. Administrators can also create departments and approve online purchases.
- Real-time balance information
- View transactions (pending and declined)
- Set cardholder credit limits
- Block/unblock employee cards
- Approve online purchases
- Create departments for spend segregation
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ClearSpend is the smarter way to control your business spending. The NatWest ClearSpend mobile app gives you complete control of your Commercial Card account. - Real time balance information - View transactions, including pending and declines - View regular statements - Set cardholder credit limits - Set cardholder merchant category blockings - Lock and unlock an employee’s card - Receive transaction notifications - Approve online purchases - Create departments to segregate spend - App for administrators and cardholders Registration It only takes a couple of minutes to get started on NatWest ClearSpend. Simply download the App and click ‘Need to register’ and then follow the onscreen instructions. Please note, the Business or Commercial Card account will need to be registered and activated before cardholder users can register. NatWest ClearSpend is available to eligible NatWest Business and Commercial Card account customers with compatible iOS devices and a UK or international mobile number in specific countries. Over 18s only, other terms and conditions apply.
Xpensy
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Xpensy is the smart mobile solution designed to make your business expense process faster, easier, and more accurate—from receipt capture all the way to ERP integration. Whether you're traveling for business, managing a team on the go, or handling finance operations, Xpensy streamlines every step of expense tracking, submission, and reporting. No more paper receipts, manual spreadsheets, or back-and-forth emails. Just a clean, intuitive interface that works for both employees and finance teams.
Screenshots
Verdict
The clearest difference is update cadence: Xpensy at every 5 weeks against NatWest ClearSpend's every 3 months. On price, ads, in-app purchases and device support 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
NatWest ClearSpend ships an update every 3 months, Xpensy every 5 weeks. The most recent releases landed on November 4, 2026 and October 30, 2026 respectively.
| Parameter | NatWest ClearSpend | Xpensy |
|---|---|---|
| Price | Free | Free |
| Rating | 4.2 (5 ratings) — better | — |
| Positive reviews | 6.4% of reviews | — |
| Number of ratings | 5 — better | — |
| Update frequency | Every 3 months | Every 5 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 15.0 — better | 16.6 |
| Further details — not scored | ||
| Size | 58 MB | 32 MB |
| Age rating | 4+ | 4+ |
| Developer | National Westminster Bank plc | Finkeeping MB |
Bugs and requests
NatWest ClearSpend
Reported bugs
66 issues- App crashes
- App doesn't let you login
- Face ID integration only works once
- App won't even open
- App crashes on opening
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- Unable to login
- App just crashes and won't work anymore
- Login issues after update
- Cannot login, don't receive one-time passcode
- Error has occurred with no info
- Registration doesn't work
- Online purchases not approved
- Cannot switch card to account
- Endless loop in terms and conditions
- No real-time updates
- No idea of current balance
- Incorrect or irrelevant account information
- Cannot download PDF statements
- Keyboard covers typing field
- One-time passcode function issues on iPhones
- App buffers/spins on login
- Frozen on welcome screen
- Update breaks app
- Cannot approve payments
- App displays spinning ring after logging in
- Update bricks the app
- App not recognising email and password
- App locks up and kicks user out
- App history shows financials when backgrounded
- Cannot paste in password on login screen
- Network timeout on login clears FaceID/TouchID password
- Upgrading from one version to another logs user out
- Too many steps to activate and log on
- App locks you out after x days
- Crashing on opening on iOS
- Reverts to current period when switching between cards
- App not recognising email and password
- App not allowing multiple accounts to save login details
- Facial recognition symbol spins and forgets password
- App refuses to remember login details
- Transactions timed at 12:00AM
- Cannot export CSV files
- Cannot pay into account from connected current business account
- Cannot pay from online banking app to card
- App forced update
- Login failures even when details are correct
- Not intuitive
- Cannot find obvious things
- Update 5.3.0 causes spinning icon
- App not fit for purpose
- Unable to authorise important transactions
- New update has killed it
- Updated and doesn’t even work now
- Spinning icon after Touch ID
- Cannot get into the App since the update
- Release an update that doesn’t allow access
- New version cannot log in
- 5.3.0 update spins on egg timer
- Statement history stops at November 2022
- Recent statements not present on the app
- Cannot download payment lists to Excel or PDF
- App crashing on opening
- App now not recognising email and password
- App refuses to remember login details
- Facial recognition symbol spins and forgets password
- App is unclear, confusing and messy
Requested features
18 requests- Integrate BusinessCards into NatWest Banking app
- Allow downloading PDF copies of statements
- Improve Face ID integration
- Allow login for multiple business accounts
- Show credit card balances in main NatWest banking app
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- Allow making debit card payments to account
- Improve transaction visibility
- Add dark mode option
- Add advanced analytics dashboard
- Allow pasting passwords
- Support password auto-fill
- Fix Face ID/Touch ID password clearing on network timeout
- Allow exporting data to Excel or CSV
- Allow paying into account from connected current business account
- Allow paying from online banking app to card
- Fix transaction timing to differentiate same-day transactions
- Improve inbox/outbox message functionality
- Allow users to switch cards without reverting selected period
Xpensy
Not enough reviews yet to summarise bugs or requests.
In-app purchases
NatWest ClearSpend
No in-app purchases
Xpensy
No in-app purchases
Questions
Is NatWest ClearSpend free?
Is Xpensy free?
Do NatWest ClearSpend or Xpensy have ads?
Which is updated more often, NatWest ClearSpend or Xpensy?
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