PINACLE Pass® vs The Reckoner
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PINACLE Pass®
This app generates one-time passcodes for secure authentication on the PINACLE desktop and mobile sites. Once your mobile token is activated by an administrator, you can easily access the required passcode to log in.
- Generates one-time passcodes
- Secure authentication
- Alternative to physical tokens
- Token activation
- Works with PINACLE desktop and mobile
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PINACLE Pass® provides a secure, convenient alternative to carrying your physical token. Token passcodes generated with the PINACLE Pass App can be used on the PINACLE® desktop site and the PINACLE Mobile App any time a token passcode is required. Once a system administrator has assigned a mobile token to your Operator ID, you will be able to log in to the PINACLE Pass App to activate your token. After activation, and then anytime you open the app, you will see the one-time passcode needed for authentication. For questions or support, contact Treasury Management Client Care via telephone (1-800-669-1518) or via email (tmcc@pnc.com). PNC does not charge a fee for this application. However, third party message and data rates may apply. A supported mobile device is needed to use the PINACLE Pass App. Certain other restrictions may apply. See the Treasury Management Services Comprehensive Agreement. PNC and PINACLE are registered marks of The PNC Financial Services Group, Inc. (“PNC”). Bank deposit, treasury management products and services are provided by PNC Bank, National Association, a wholly-owned subsidiary of PNC and Member FDIC. ©2026 The PNC Financial Services Group, Inc. All rights reserved.
The Reckoner
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The Reckoner splits group expenses and remembers exactly who owes what, so you don't have to. HOW TO SPLIT A RECEIPT Snap a photo of any receipt. AI reads the items, tax, and tip. Tap to assign items to people and it does the math to the penny. HOW TO USE GROUPS Make a group for a trip, a house, or a regular crew. Add expenses, split evenly or by item, and always see a clear running balance of who owes whom. HOW TO SPLIT A ONE-OFF MEAL (no group needed) Add who's there, scan or type the total, assign items, add tax and tip, and get everyone's share instantly. HOW TO SETTLE UP When it's time to pay, hand off to Venmo, PayPal, or Zelle in a tap and mark it settled. The Reckoner tracks the money — it never touches it. THE RECKONER PRO Pro unlocks unlimited expenses and 50 AI receipt scans a month. 7-day free trial, then $2/month or $20/year. The Reckoner is an expense-tracking tool. It doesn't move money and isn't financial, accounting, or tax advice. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is in-app purchases: PINACLE Pass® at none against The Reckoner's 2. On price, update cadence, ads 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. The Reckoner sells 2 in-app purchases, starting at $2.00 per month. PINACLE Pass® asks for nothing beyond the download.
PINACLE Pass® ships an update every 2 months, The Reckoner every 6 weeks. The most recent releases landed on October 26, 2026 and October 25, 2026 respectively.
| Parameter | PINACLE Pass® | The Reckoner |
|---|---|---|
| Price | Free | Free |
| Rating | 2.8 (14 ratings) — better | — |
| Positive reviews | 7.1% of reviews | — |
| Number of ratings | 14 — better | — |
| Update frequency | Every 2 months | Every 6 weeks — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free | — |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 16.6 | 15.0 — better |
| Further details — not scored | ||
| Size | 21 MB | 17 MB |
| Age rating | 4+ | 4+ |
| Developer | PNC Bank, N.A. | Junior Varsity Enterprises, LLC |
In-app purchases
PINACLE Pass®
No in-app purchases
The Reckoner
- The Reckoner Pro7 Days trial$2.001 Month
- The Reckoner Pro7 Days trial$20.001 Year
Questions
Is PINACLE Pass® free?
Is The Reckoner free?
Do PINACLE Pass® or The Reckoner have ads?
Which is updated more often, PINACLE Pass® or The Reckoner?
Other comparisons
