Comparison

Firstmac Money vs Substat

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

Head to head
About

Firstmac Money

Manage your finances on the go. View account balances, transfer funds, pay bills, and track transaction history. Securely access your accounts with an Access Code and high-grade encryption.

Highlights
  • View account balances
  • Transfer money
  • Pay bills
  • Track transaction history
  • Manage debit card PIN
  • Download transactions
Features
Read full description

Top features โ€ข See your balance, access your accounts, transfer money and pay bills โ€ข View your account transaction history โ€ข Instantly activate, and change your PIN on your debit card โ€ข Manage your loan repayments or change your transfer limit โ€ข Access and edit your Biller and Pay Anyone lists โ€ข Download your transactions in multiple formats โ€ข Multiple contact forms to request specific changes to your accounts โ€ข Messaging Service to contact us directly via the app Firstmac Money is secure and can only be accessed with your Access Code. All data is protected with high-grade encryption.

About

Substat

Read full description

Substat helps you take control of your subscriptions and recurring bills - so you're never caught off guard by an unexpected charge. Add any subscription in seconds. Choose from 100+ popular services including Netflix, Spotify, Adobe, ChatGPT, and more - or add your own. Substat pre-fills the icon, colour, and category so your dashboard always looks great. KNOW WHAT YOU'RE SPENDING See your total monthly and yearly spend at a glance. Switch between list, card, and grid views. Filter and sort by category, price, renewal date, and more. NEVER MISS A RENEWAL Get notified before your subscriptions renew. Set reminders 1, 3, or 7 days in advance. Yearly subscriptions are opted in automatically - because those are the ones that catch you off guard. TRACK FREE TRIALS Add trials with an end date and get reminded before they convert to paid. See which trials have expired so you can decide whether to convert or cancel. BEAUTIFUL ANALYTICS See your spending broken down by category. Find your biggest subscriptions. Track lifetime spend per service. SUBSCRIPTION DETAILS Tap any subscription to see full details - renewal date, days remaining, monthly and yearly equivalent cost, lifetime spend, and your own notes. BUILT FOR AUSTRALIA Includes local services like Stan, Binge, Kayo Sports, Everyday Extra, Coles Plus, and more. Supports AUD and 15 other currencies. PRIVATE BY DEFAULT Everything stays on your device. No account required. No data ever leaves your phone. No ads, ever. SUBSTAT PRO Unlock the full Substat experience with a 14-day free trial. After your trial, continue with Pro for $2.99/month or $19.99/year. Cancel anytime. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://pabloturzan.github.io/substat/

Screenshots

Firstmac Money4 screens
Substat4 screens

Verdict

The call

The clearest difference is iOS requirement: Firstmac Money at 16.0 against Substat's 26.0. On price, update cadence, ads and in-app purchases there is nothing between them.

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

CostPrice ยท In-app purchases ยท Ads ยท Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Firstmac Money ships an update every 3 weeks, Substat every 6 weeks. The most recent releases landed on October 24, 2026 and October 12, 2026 respectively.

Scorecard1 real difference ยท 7 level
Firstmac Money versus Substat: the parameters behind the verdict, then further details
ParameterFirstmac MoneySubstat
PriceFreeFree
Positive reviews13.0% of reviewsโ€”
Update frequencyEvery 3 weeks โ€” betterEvery 6 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeโ€”
DevicesiPhone, iPadiPhone, iPad
Requires iOS16.0 โ€” better26.0
Further details โ€” not scored
Size90 MB3 MB
Age rating4+4+
DeveloperFirstMacPablo Turzan

In-app purchases

None

Firstmac Money

No in-app purchases

None

Substat

No in-app purchases

Questions

Is Firstmac Money free?
Firstmac Money is free to download, with no in-app purchases.
Is Substat free?
Substat is free to download, with no in-app purchases.
Do Firstmac Money or Substat have ads?
Neither Firstmac Money nor Substat shows ads.
Which is updated more often, Firstmac Money or Substat?
Firstmac Money ships an update every 3 weeks, and Substat every 6 weeks. Most recently, Firstmac Money was updated on October 24, 2026 and Substat on October 12, 2026.

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