Comparison

MySynchrony vs Winnow Finance

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

Head to head
About

MySynchrony

Securely manage your credit card accounts in one place. This app allows you to view balances, make payments, review transactions, and manage bank accounts. It also offers access to partner deals and financial education resources.

Highlights
  • Manage credit cards in one place
  • Secure biometric login
  • Schedule and manage payments
  • Check balance and credit limit
  • Review transaction history
  • Access partner deals and offers
  • Financial education blog
Features
Currently charting
Read full description

Download the MySynchrony App today to securely manage your credit card accounts* all in one place. With this mobile app you will be able to: • Manage your Synchrony issued credit cards in one place • Log in securely using Biometric Authentication • Schedule and manage payments for your accounts • Check your balance and credit limit anytime, anywhere • Review your transaction and payment history • View your statements and manage your statement delivery preference • Securely add or delete multiple bank accounts that you'd like to use to pay your bill • Explore the Synchrony Marketplace for savings, deals, and offers from our partners nationwide, online, or right in your neighborhood • Access the Finance 101 blog to stay in the know on tips to better manage your finances • Discover answers anytime with our 24/7 Knowledge Center for cardholder resources. • Provide us feedback on your mobile app experience. Let us know how we can help and what’s working. We are here for you.   (For Synchrony Bank Savings accounts, please visit our Synchrony Bank App.) *Credit cards issued by Synchrony, not including Venmo, PayPal Extras, PayPal Credit, TJMaxx/TJX, eBay Extras

About

Winnow Finance

Features
Read full description

Winnow turns paper and email receipts into organized, item-level expense data — without asking for your bank login. Snap a photo of any receipt. Winnow reads the store, date, totals, and every line item, then sorts items into categories you can correct in a tap. Forward email receipts (Amazon, Uber, DoorDash) to your private Winnow address and they're tracked too. Sharing costs? Split any receipt item by item with your partner, roommates, or friends. They don't need the app — send a read-only link and they can see exactly what they owe and why. WHY PEOPLE CHOOSE WINNOW • No bank connection required. You choose what Winnow sees. • Item-level tracking. "Groceries $214" becomes the actual groceries. • Split by item, not just totals. The oat milk goes to whoever drank it. • Guest split links. No "download this app to see what you owe." • Simple budgets and recurring expenses when you want guardrails. • Paid software, no ads. You're the customer, not the product. HOW IT WORKS 1. Photograph a receipt, or forward an email receipt to your private Winnow address. 2. Winnow reads every line item and categorizes it. Fix anything with a tap — it learns. 3. Split shared items, set budgets if you want guardrails, and search what you actually bought — not just where you shopped. 400 receipt scans a month. Unlimited manual entries. 14 days free, then $4.99/month or $54.99/year. https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

MySynchrony4 screens
Winnow Finance2 screens

Verdict

The call

The clearest difference is in-app purchases: MySynchrony at none against Winnow Finance's 2. MySynchrony also leads on chart position (#27 vs unranked). Winnow Finance's advantage is iOS requirement (15.0 vs 18). 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Winnow Finance sells 2 in-app purchases, starting at $4.99 per month. MySynchrony asks for nothing beyond the download.

UpkeepUpdate frequency

MySynchrony ships an update every 3 weeks, Winnow Finance fortnightly. The most recent releases landed on November 13, 2026 and October 28, 2026 respectively.

Scorecard3 real differences · 8 level
MySynchrony versus Winnow Finance: the parameters behind the verdict, then further details
ParameterMySynchronyWinnow Finance
PriceFreeFree
Rating4.8 (119K ratings) — better—
Positive reviews82.4% of reviews—
Number of ratings119K — better—
Update frequencyEvery 3 weeksFortnightly — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
Best chart rank#27 — better—
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS1815.0 — better
Further details — not scored
Size197 MB27 MB
Age rating4+12+
DeveloperSynchrony FinancialAustin Medina

Bugs and requests

MySynchrony

Reported bugs

4 issues
  • Delayed payment updates
  • Incorrect account balance information
  • Compatibility issues with older devices
  • Inability to remove closed accounts from the app

Requested features

5 requests
  • Ability to view all accounts in one place
  • Option to set up automatic payments
  • More detailed transaction history
  • Improved notification system
  • Ability to update personal information within the app

Winnow Finance

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

MySynchrony

No in-app purchases

2 purchases

Winnow Finance

Subscriptions2
  • Winnow Monthly Subscription$4.991 Month
  • Winnow Yearly Subscription$54.991 Year

Questions

Is MySynchrony free?
MySynchrony is free to download, with no in-app purchases.
Is Winnow Finance free?
Winnow Finance is free to download, with in-app purchases available.
Do MySynchrony or Winnow Finance have ads?
Neither MySynchrony nor Winnow Finance shows ads.
Which is updated more often, MySynchrony or Winnow Finance?
MySynchrony ships an update every 3 weeks, and Winnow Finance fortnightly. Most recently, MySynchrony was updated on November 13, 2026 and Winnow Finance on October 28, 2026.

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