Comparison

WaFd Treasury vs SpendTrack

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

Head to head
About

WaFd Treasury

This app allows users to manage their accounts remotely. It offers features for viewing account information, tracking payments, transferring funds, and managing loans and lines of credit. Enrollment in specific WAFD Treasury services is required.

Highlights
  • Download and view account information
  • Report on cash management
  • Track payment activity
  • View check images
  • Transfer funds between accounts
  • Manage loan and line of credit payments
  • Initiate ACH and wire transactions
Features
Read full description

WaFd Treasury provides the ability to: " Download and view account information " Report on key cash management information " Track and confirm payment activity " View Check Images " Transfer funds between accounts " Manage Line of Credit and Loan payments " Initiate ACH transactions " Initiate Repetitive Wire transactions Enrollment in WAFD Treasury Prime or Express is required. Contact your Washington Federal Relationship Manager, or call 877-423-9742.

About

SpendTrack

Manage business card programs and expenses digitally. Employees can make payments and submit reports, while managers can oversee accounts, credit lines, and approvals. Features real-time card controls and intelligent receipt capture.

Highlights
  • Digital card management
  • Expense report submission
  • Real-time card controls
  • Intelligent receipt capture
  • Spend analytics
  • Customizable workflows
Features
Read full description

This application is powered by Fiserv, Inc. but is activated through specific financial institutions and businesses. Check with your business administrator or financial institution to ensure they participate in SpendTrack prior to downloading. Exact functionality may vary by financial institution based on their subscription. _________________________________________ SPENDTRACK HELPS BUSINESSES EFFICIENTLY MANAGE THEIR CARD PROGRAM AND EXPENSES DIGITALLY SpendTrack is a scalable solution that is ideal for small and midsize businesses. It enables: -- Employees to make payments, view transactions, request a card and submit expense reports -- Small-business owners and managers to view employee accounts, open new accounts, manage credit lines, and view and approve expense reports ROBUST FUNCTIONALITY – ALL IN ONE APP -- Real-time card controls, including locking and unlocking a card, resetting PIN, reporting a lost/stolen card, establishing spending limits and enabling merchant category restrictions -- Customizable expense management workflows that streamline the administration and review process -- Intelligent receipt capture with card and transaction data auto-population, even before the transaction posts -- Expense report creation with receipt attachments and mileage claims -- Statement access and payment information -- Spend breakdowns, by cardholder, department, or pay account -- Comprehensive analytics that provide complete program visibility and drive better business decisions with insights into spend trends, merchant spend and credit line use

Screenshots

WaFd Treasury4 screens
SpendTrack4 screens

Verdict

The call

The clearest difference is rating: SpendTrack at 4.7 against WaFd Treasury's 2.3. SpendTrack also leads on update cadence (monthly vs every 6 months) and iOS requirement (15.0 vs 17.0). WaFd Treasury's advantage is ratings volume (53 vs 7). On price, ads, in-app purchases and monetization model 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.

ReceptionRating · Positive reviews · Number of ratings

SpendTrack holds the better App Store score, 4.7 against 2.3. That said, the two scores are not equally well evidenced: WaFd Treasury has 53 ratings behind it against 7, so its average is the more settled of the two.

UpkeepUpdate frequency

WaFd Treasury ships an update every 6 months, SpendTrack monthly. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.

Scorecard4 real differences · 6 level
WaFd Treasury versus SpendTrack: the parameters behind the verdict, then further details
ParameterWaFd TreasurySpendTrack
PriceFreeFree
Rating2.3 (53 ratings)4.7 (7 ratings) — better
Positive reviews24.2% of reviews—
Number of ratings53 — better7
Update frequencyEvery 6 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPod
Requires iOS17.015.0 — better
Further details — not scored
Size18 MB69 MB
Age rating4+4+
DeveloperWaFd BankFiserv, Inc

Customer experience

WaFd Treasury

All ratings53 ratings
Positive32.1%
Neutral0.0%
Negative67.9%
Written reviews33 reviews
Positive24.2%
Neutral0.0%
Negative75.8%

SpendTrack

All ratings7 ratings
Positive85.7%
Neutral14.3%
Negative0.0%

In-app purchases

None

WaFd Treasury

No in-app purchases

None

SpendTrack

No in-app purchases

Questions

Is WaFd Treasury free?
WaFd Treasury is free to download, with no in-app purchases.
Is SpendTrack free?
SpendTrack is free to download, with no in-app purchases.
Which has better reviews, WaFd Treasury or SpendTrack?
SpendTrack is rated higher. WaFd Treasury averages 2.3 out of 5 from 53 ratings, while SpendTrack averages 4.7 from 7 ratings.
Do WaFd Treasury or SpendTrack have ads?
Neither WaFd Treasury nor SpendTrack shows ads.
Which is updated more often, WaFd Treasury or SpendTrack?
WaFd Treasury ships an update every 6 months, and SpendTrack monthly. Most recently, WaFd Treasury was updated on October 24, 2026 and SpendTrack on October 25, 2026.

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