Comparison

SBAB! vs Chara

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

Head to head
About

SBAB!

Manage your home finances with ease. Track savings accounts, loans, and payments. Set savings goals, transfer money, and apply for mortgage pre-approvals. Designed for both new and existing customers.

Highlights
  • Manage savings accounts and transfers
  • Set savings goals
  • View and manage mortgage payments
  • Apply for mortgage pre-approval
  • Secure Mobile BankID login
  • Track loan amortization
Read full description

Get a complete overview of your home finances. Great for both new and existing SBAB customers. The app gives you a clear and easy way to manage your savings accounts, loans, and ongoing matters. - Log in quickly and securely using Mobile BankID - Keep track of your savings accounts, interest rates, and transfers - Set up monthly savings and create savings goals - Easily transfer money between your SBAB savings accounts and accounts at other banks - View and manage payments, interest, and amortization for your mortgages and personal loans - Apply for a pre-approval, calculate scenarios, and update it whenever needed - Get information about other SBAB products and offers To use Mobile BankID, you need a Swedish personal identity number, must order Mobile BankID through your online bank, and install the BankID security app. To log in to the SBAB app, the BankID app must be installed on the same phone.

About

Chara

Features
Read full description

Split expenses with roommates, partners, and friends without the awkward math. Chara is a private, open-source bill splitter that's free forever. No ads, no subscriptions, no paywalled features. Add an expense, pick who's in, and Chara handles the math. See who owes who at a glance. Settle up when you're ready. WHAT YOU CAN DO • Create groups for roommates, trips, couples, or one-off events • Split equally, unequally, by percentage, or by shares • Snap a receipt and pull out the line items automatically • Track balances per currency, with no sketchy auto-conversion • Settle up with a tap and keep a clean history • Get notified when someone adds an expense or pays you back PRIVATE BY DEFAULT No trackers. No ad SDKs. No third-party analytics. Your group's expenses are visible to your group, and nobody else. SELF-HOST IT Chara is open source. Run it on your own server if you want. The app talks to your server the same way it talks to ours. Keep accounts on multiple servers at once and see everything in one place. FREE, FOREVER The core app is free. No subscription. No paywalled features. Chara is what bill-splitting should have been all along.

Screenshots

SBAB!4 screens
Chara4 screens

Verdict

The call

The clearest difference is iOS requirement: Chara at 16.4 against SBAB!'s 18.0. On price, update cadence, ads and in-app purchases 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. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

SBAB! ships an update weekly, Chara every 4 days. The most recent releases landed on October 29, 2026 and October 28, 2026 respectively.

Scorecard1 real difference · 9 level
SBAB! versus Chara: the parameters behind the verdict, then further details
ParameterSBAB!Chara
PriceFreeFree
Rating4.7 (56 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings56 — better—
Update frequencyWeeklyEvery 4 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhoneiPhone, iPad — better
Requires iOS18.016.4 — better
Further details — not scored
Size48 MB59 MB
Age rating4+12+
DeveloperSBAB Bank AB (publ)Lucas Dow

In-app purchases

None

SBAB!

No in-app purchases

None

Chara

No in-app purchases

Questions

Is SBAB! free?
SBAB! is free to download, with no in-app purchases.
Is Chara free?
Chara is free to download, with no in-app purchases.
Do SBAB! or Chara have ads?
Neither SBAB! nor Chara shows ads.
Which is updated more often, SBAB! or Chara?
SBAB! ships an update weekly, and Chara every 4 days. Most recently, SBAB! was updated on October 29, 2026 and Chara on October 28, 2026.

Other comparisons