SBAB! vs Chara
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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.
Chara
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
SBAB! ships an update weekly, Chara every 4 days. The most recent releases landed on October 29, 2026 and October 28, 2026 respectively.
| Parameter | SBAB! | Chara |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (56 ratings) — better | — |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 56 — better | — |
| Update frequency | Weekly | Every 4 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone | iPhone, iPad — better |
| Requires iOS | 18.0 | 16.4 — better |
| Further details — not scored | ||
| Size | 48 MB | 59 MB |
| Age rating | 4+ | 12+ |
| Developer | SBAB Bank AB (publ) | Lucas Dow |
In-app purchases
SBAB!
No in-app purchases
Chara
No in-app purchases









