Comparison

SardexPay Cashback vs Spendy

Price, ratings, monetisation and update history for both apps, side by side β€” with what reviewers say about each.

Head to head
About

SardexPay Cashback

Earn Sardex credits with your euro purchases through this program. Manage your digital card, find participating businesses, and track your balance. Make secure payments in Sardex, where 1 Sardex equals 1 euro.

Highlights
  • Earn Sardex credits on euro purchases
  • Digital card management
  • Find participating businesses
  • Check recharge and acceptance rates
  • Monitor balance
  • Secure Sardex payments
Features
Read full description

Con SardexPay Cashback, il programma dedicato ai consumatori, puoi ottenere crediti sardex grazie ai tuoi acquisti in euro. Tutto in una App! Grazie all'App SardexPay Cashback la tua carta digitale Γ¨ sempre con te. Verifica quali sono le attivitΓ  aderenti al programma piΓΉ vicine a te e scopri le percentuali di ricarica e accettazione. Tieni sempre sotto controllo il tuo saldo ed effettua pagamenti in sardex in modo semplice, comodo e sicuro. Ricorda: 1 sardex = 1 euro. Accedere Γ¨ semplice! Registra la tua carta Sardex Bisoo su www.bisoo.it ed entra nel mondo Sardex Bisoo inserendo sull'App il tuo nome utente (ID) e la tua password. Scopri di piΓΉ su www.bisoo.it. Qualche dubbio? Scrivici: cashback@sardexpay.net

About

Spendy

Features
Read full description

Track expenses at lightning speed! Use Quick Controls, scan receipts, and automate recordings with Apple Pay: your budget is always up-to-date, with zero hassle. Spendy is the budgeting app you won't abandon after a week. Record expenses manually, from Control Center, or with Quick Controls; scan receipts with OCR and let AI learn from your habits. Zero hassle, maximum control. WHY SPENDY - Custom categories (Pro) β†’ Create categories with a name, icon, and color; Choose the order and use them for transactions, budgets, and recurring payments. - Quick Controls β†’ Add an expense or open the scanner from Control Center, the Lock Screen, or the Action Button. - Apple Pay Automation β†’ Set up Shortcuts to record payments without manually entering them. - Scan the receipt β†’ Take a photo of the receipt: the app reads the amount and date in seconds. - Learning AI (Pro) β†’ Suggests categories as you type and remembers your habits. - Quick Add from the icon β†’ Press and hold the Spendy icon to add an expense from the Home screen. - Budget by category β†’ Set monthly limits and check how much you can still spend. - Savings goals β†’ Vacation, car, emergency: create a goal and Spendy tracks your progress. - Recurring payments β†’ Reminders before each due date so you don't forget subscriptions and payments. - Smart widgets β†’ Budgets, latest expenses, and statistics always visible on your screen. Home SPENDY ADVISOR: YOUR FINANCIAL AI Analyze spending patterns: "We're on day 10, and you've already used 60% of your budget." Identify hidden trends: "You're spending too much on weekends." Smart forecasts: "At this rate, you'll end the month with a €150+ premium." Proactive notifications: Unusual spending detected in real time. Everything locally on your iPhone. Privacy guaranteed. APPLE PAY AUTOMATION (Zero Effort) Set up Shortcuts to record Apple Pay or card payments (including contactless payments with supported cards and banks) in the background. Associate a merchant with a category, even a custom one: AI Pro will suggest it for subsequent transactions. Result: your budget is always up-to-date without you lifting a finger. QUICK FUNCTIONS Access from Control Center, Lock Screen, and Action Button; search and filters to find transactions; PDF/CSV export and iCloud backup with custom categories and sorting included. **GAMIFICATION & MOTIVATION** **FREE VERSION** - Unlimited expenses and income - 1 goal + 1 subscription + 1 widget - Essential statistics - Spendy Advisor (basic analysis) **SPENDY PRO** - Unlimited goals and subscriptions - Budgets for all categories - OCR receipt scanning - Apple Pay automation with Shortcuts - Full Spendy Advisor (predictions + advanced trends) - Shortcuts automation - Automatic iCloud backup - PDF/CSV export - All widgets - Advanced statistics with charts - Quick Controls (Lock Screen and Control Center) **PRIVACY FIRST** All data stays on your iPhone. No mandatory account, no external servers, no tracking. Face ID/Touch ID protection included. **LEGAL INFORMATION** Terms and Conditions (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://francescowebdesign.it/spendyapp/privacy.html **SUBSCRIPTION INFORMATION** Spendy Pro is available with the following options: AUTO-RENEWABLE SUBSCRIPTIONS: β€’ Monthly: €2.99/month β€’ Annual: €17.99/year (save 58%) ONE-TIME PURCHASE: β€’ Lifetime: €44.99 (lifetime access, no renewals) Subscriptions automatically renew unless auto-renewal is turned off at least 24 hours before the end of the current period. Payment is charged to your Apple ID upon confirmation of purchase. You can manage your subscriptions and turn off auto-renewal in your Apple account settings after purchase. The Lifetime purchase is a one-time payment with no automatic renewal and grants access to all Premium features forever.

Screenshots

SardexPay Cashback4 screens
Spendy4 screens

Verdict

The call

The clearest difference is in-app purchases: SardexPay Cashback at none against Spendy's 3. SardexPay Cashback also leads on iOS requirement (16.0 vs 18). Spendy's advantage is update cadence (every 10 days vs monthly). On price, ads and device support there is nothing between them.

Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS

CostPrice Β· In-app purchases Β· Ads Β· Monetization

Both are free to download. Spendy sells 3 in-app purchases, starting at $3.99 per month. SardexPay Cashback asks for nothing beyond the download.

UpkeepUpdate frequency

SardexPay Cashback ships an update monthly, Spendy every 10 days. The most recent releases landed on November 2, 2026 and October 31, 2026 respectively.

Scorecard3 real differences Β· 5 level
SardexPay Cashback versus Spendy: the parameters behind the verdict, then further details
ParameterSardexPay CashbackSpendy
PriceFreeFree
Positive reviews28.6% of reviewsβ€”
Update frequencyMonthlyEvery 10 days β€” better
AdsNoNo
In-app purchasesNo β€” betterYes
MonetizationFreeβ€”
DevicesiPhone, iPad β€” betteriPhone
Requires iOS16.0 β€” better18
Further details β€” not scored
Size43 MB62 MB
Age rating4+4+
DeveloperSardex SpAFrancesco Algieri

In-app purchases

None

SardexPay Cashback

No in-app purchases

3 purchases

Spendy

Subscriptions2
  • Spendy Pro - Monthly$3.991 Month
  • Spendy Pro - Yearly$22.991 Year
One-time1
  • Spendy Pro - Lifetime$69.99

Questions

Is SardexPay Cashback free?
SardexPay Cashback is free to download, with no in-app purchases.
Is Spendy free?
Spendy is free to download, with in-app purchases available.
Do SardexPay Cashback or Spendy have ads?
Neither SardexPay Cashback nor Spendy shows ads.
Which is updated more often, SardexPay Cashback or Spendy?
SardexPay Cashback ships an update monthly, and Spendy every 10 days. Most recently, SardexPay Cashback was updated on November 2, 2026 and Spendy on October 31, 2026.

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