# Northmill vs Spendwise

The clearest difference is monetization model: Northmill at free against Spendwise's ad-supported. Northmill also leads on iOS requirement (15.1 vs 17.0). On price, rating, ratings volume and update cadence there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.8 for Northmill against 4.8 for Spendwise. Both are backed by a comparable volume of ratings — 17 and 30 respectively.

Northmill ships an update weekly, Spendwise fortnightly. The most recent releases landed on October 7, 2026 and September 30, 2026 respectively.

## The numbers

| Metric | Northmill | Spendwise |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (17 ratings)](https://appshunter.io/ios/app/northmill/id1330613161/reviews) | [4.8 (30 ratings)](https://appshunter.io/ios/app/spendwise/id1441419364/reviews) |
| Number of ratings | 17 | **30** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Weekly** | Fortnightly |
| Monetization | **Free** | Ad-supported |
| Size | 187 MB | 76 MB |
| Requires iOS | **15.1** | 17.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 17+ |
| Developer | [Northmill Bank AB](https://appshunter.io/developer/1187860497) | [SEB Kort Bank AB](https://appshunter.io/developer/1145360306) |

## What reviewers say

### Northmill

[App page](https://appshunter.io/ios/app/northmill/id1330613161)

Manage your money with a free card and account, earn interest on savings, and consolidate loans to lower your rates. Access a flexible credit line for an extra financial buffer. This app aims to simplify your financial life.

**Highlights:** Free card and account with no hidden fees, Interest-earning savings accounts with deposit guarantee, Loan consolidation up to 300,000 SEK with guaranteed lower interest, Flexible credit line up to 50,000 SEK, Connect to Apple Pay, Card made from recycled plastic

**Features:** Apple Wallet

**In-app purchases:** none


### Spendwise

[App page](https://appshunter.io/ios/app/spendwise/id1441419364)

Manage your credit card accounts, view transactions, and track loan details. Receive important notifications about purchases and spending limits. Easily access your PIN, block lost cards, and explore payment options for larger purchases.

**Highlights:** View credit card balances and transactions, Track personal loan details, Receive spending limit notifications, Manage PIN codes, Block and order new cards, Utilize part payment options

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Northmill free?

Northmill is free to download, with no in-app purchases.

### Is Spendwise free?

Spendwise is free to download, with no in-app purchases.

### Which has better reviews, Northmill or Spendwise?

Northmill and Spendwise are both rated 4.8 out of 5 on the App Store, from 17 and 30 ratings respectively.

### Do Northmill or Spendwise have ads?

Neither Northmill nor Spendwise shows ads.

### Which is updated more often, Northmill or Spendwise?

Northmill ships an update weekly, and Spendwise fortnightly. Most recently, Northmill was updated on October 7, 2026 and Spendwise on September 30, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*