# WaFd Treasury vs SpendTrack

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.

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.

## The numbers

| Metric | WaFd Treasury | SpendTrack |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.3 (53 ratings)](https://appshunter.io/ios/app/wafd-treasury/id1343834928/reviews) | **[4.7 (7 ratings)](https://appshunter.io/ios/app/spendtrack/id1672652764/reviews)** |
| Number of ratings | **53** | 7 |
| Positive reviews | 24.2% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 months | **Monthly** |
| Monetization | Free | Free |
| Size | 18 MB | 69 MB |
| Requires iOS | 17.0 | **15.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [WaFd Bank](https://appshunter.io/developer/691369619) | [Fiserv, Inc](https://appshunter.io/developer/386678214) |

## What reviewers say

### WaFd Treasury

[App page](https://appshunter.io/ios/app/wafd-treasury/id1343834928)

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:** Vision Pro support

**In-app purchases:** none


### SpendTrack

[App page](https://appshunter.io/ios/app/spendtrack/id1672652764)

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:** Apple Wallet, Vision Pro support

**In-app purchases:** none


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