# NatWest ClearSpend vs Xpensy

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.

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.

## The numbers

| Metric | NatWest ClearSpend | Xpensy |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.2 (5 ratings)](https://appshunter.io/ios/app/natwest-clearspend/id1227471926/reviews)** | — |
| Number of ratings | **5** | — |
| Positive reviews | 6.4% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 5 weeks** |
| Monetization | Free | — |
| Size | 58 MB | 32 MB |
| Requires iOS | **15.0** | 16.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [National Westminster Bank plc](https://appshunter.io/developer/990584386) | [Finkeeping MB](https://appshunter.io/developer/1821466743) |

## What reviewers say

### NatWest ClearSpend

[App page](https://appshunter.io/ios/app/natwest-clearspend/id1227471926)

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.

**Highlights:** 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

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly (recent update)
- 👍 Improved functionality (recent update)
- 👍 Love the controls
- 💡 True innovation
- 💡 Intuitive and user friendly

**What reviewers complain about**

- 🐛 Crashes frequently
- 🐛 App won't open
- 🐛 Unable to login
- 🐛 Limited functionality
- 🐛 Misleading information

**Reported bugs**

- App crashes
- App doesn't let you login
- Face ID integration only works once
- App won't even open
- App crashes on opening

**Requested features**

- 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


### Xpensy

[App page](https://appshunter.io/ios/app/xpensy/id6747442375)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is NatWest ClearSpend free?

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

### Is Xpensy free?

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

### Do NatWest ClearSpend or Xpensy have ads?

Neither NatWest ClearSpend nor Xpensy shows ads.

### Which is updated more often, NatWest ClearSpend or Xpensy?

NatWest ClearSpend ships an update every 3 months, and Xpensy every 5 weeks. Most recently, NatWest ClearSpend was updated on November 4, 2026 and Xpensy on October 30, 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.*