WaFd Treasury vs SpendTrack
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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.
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.
- Digital card management
- Expense report submission
- Real-time card controls
- Intelligent receipt capture
- Spend analytics
- Customizable workflows
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
WaFd Treasury ships an update every 6 months, SpendTrack monthly. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.
| Parameter | WaFd Treasury | SpendTrack |
|---|---|---|
| Price | Free | Free |
| Rating | 2.3 (53 ratings) | 4.7 (7 ratings) — better |
| Positive reviews | 24.2% of reviews | — |
| Number of ratings | 53 — better | 7 |
| Update frequency | Every 6 months | Monthly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 17.0 | 15.0 — better |
| Further details — not scored | ||
| Size | 18 MB | 69 MB |
| Age rating | 4+ | 4+ |
| Developer | WaFd Bank | Fiserv, Inc |
Customer experience
WaFd Treasury
SpendTrack
In-app purchases
WaFd Treasury
No in-app purchases
SpendTrack
No in-app purchases
Questions
Is WaFd Treasury free?
Is SpendTrack free?
Which has better reviews, WaFd Treasury or SpendTrack?
Do WaFd Treasury or SpendTrack have ads?
Which is updated more often, WaFd Treasury or SpendTrack?
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