Firstmac Money vs Substat
Price, ratings, monetisation and update history for both apps, side by side โ with what reviewers say about each.
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.
- View account balances
- Transfer money
- Pay bills
- Track transaction history
- Manage debit card PIN
- Download transactions
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Top features โข See your balance, access your accounts, transfer money and pay bills โข View your account transaction history โข Instantly activate, and change your PIN on your debit card โข Manage your loan repayments or change your transfer limit โข Access and edit your Biller and Pay Anyone lists โข Download your transactions in multiple formats โข Multiple contact forms to request specific changes to your accounts โข 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.
Substat
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
| Parameter | Firstmac Money | Substat |
|---|---|---|
| Price | Free | Free |
| Positive reviews | 13.0% of reviews | โ |
| Update frequency | Every 3 weeks โ better | Every 6 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | โ |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 16.0 โ better | 26.0 |
| Further details โ not scored | ||
| Size | 90 MB | 3 MB |
| Age rating | 4+ | 4+ |
| Developer | FirstMac | Pablo Turzan |
In-app purchases
Firstmac Money
No in-app purchases
Substat
No in-app purchases









