Comparison

SBS Banking vs Roxxy Intelligence

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

Head to head
About

SBS Banking

Manage all your financial accounts, including those from other institutions, in one place. Organize transactions with tags and notes, set balance alerts, and make payments and transfers easily. Deposit checks with a photo and secure your account with biometric login.

Highlights
  • Account aggregation
  • Transaction organization
  • Customizable alerts
  • Bill and person payments
  • Mobile check deposit
  • Debit card management
  • Biometric security
Features
Read full description

State Bank Spencer is your personal financial advocate that gives you the ability to aggregate all of your financial accounts, including accounts from other banks and credit unions, into a single view. It’s fast, secure and makes life easier by empowering you with the tools you need to manage your finances. Here’s what else you can do with State Bank Spencer: Keep your transactions organized by allowing you to add tags, notes and photos of receipts and checks. Set up alerts so you know when your balance drops below a certain amount Make payments, whether you’re paying a company or a friend Transfer money between your accounts Deposit checks in a snap by taking a picture of the front and back Reorder your debit card or turn it off if you’ve misplaced it View and save your monthly statements Find branches and ATMs near you Secure your account with a 4-digit passcode and fingerprint or face reader on supported devices. To use the SBS Banking app, you must be enrolled as a State Bank Spencer Internet Banking user. If you currently use our Internet Banking, simply download the app, launch it, and login with the same Internet Banking credentials.

About

Roxxy Intelligence

An AI-powered financial companion that integrates banking and decision support. It helps you manage everyday finances, understand spending habits, and make informed life and business decisions with contextual guidance.

Highlights
  • AI-powered decision guidance
  • Integrated banking and money management
  • Spending tracking and habit analysis
  • Instant money transfers
  • Merchant services for payments
  • Personal and business accounts
Features
Read full description

Meet Roxxy, your new intelligent companion for life, money, and everyday decisions. Roxxy is AI-powered with built-in banking, so your money lives where your life does. It understands that money decisions are rarely just about numbers. They're shaped by priorities, timing, relationships, and real life. So Roxxy doesn't begin with dashboards. It begins with you. What you can do with Roxxy: Talk through any decision and get clear, contextual guidance from Roxxy Assist. Ask Roxxy to help you plan a date night within your budget, understand why your spending spiked last month, or break down what your business numbers are actually telling you. It listens, connects the dots, and helps you move forward. - Talk through any decision and get clear, contextual guidance from Roxxy Assist. - Track spending, understand your habits, and stay on top of your finances with Money Management. - Send and receive money instantly, without switching apps. - Get a full picture of where you stand before a big move with Clarity Boost. - Accept payments in person and online through Merchant Services. - Set up personal or business accounts, link external accounts, and get a Roxxy debit card. Built for: - Individuals managing everyday life and finances in one place. - Freelancers handling invoices, payments, and cash flow without the admin overhead. - Businesses and enterprises that need their teams making fast, informed financial decisions at scale. The app that consolidates all other apps, that's Roxxy.

Screenshots

SBS Banking4 screens
Roxxy Intelligence4 screens

Verdict

The call

SBS Banking and Roxxy Intelligence both sit at 4.9 stars, but that hides the real split: 100% of Roxxy Intelligence's written reviews are positive against 0% of SBS Banking's. Roxxy Intelligence also leads on monetization model (free vs ad-supported) and iOS requirement (15.1 vs 18.4). SBS Banking's advantage is ratings volume (140 vs 5). On price, rating, update cadence and ads 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

On the App Store both sit at effectively the same score — 4.9 for SBS Banking against 5.0 for Roxxy Intelligence. That said, the two scores are not equally well evidenced: SBS Banking has 140 ratings behind it against 5, so its average is the more settled of the two. Written reviews are what separate them: 0% of SBS Banking's written reviews are positive against 100% of Roxxy Intelligence's.

UpkeepUpdate frequency

SBS Banking ships an update monthly, Roxxy Intelligence every 3 weeks. The most recent releases landed on October 24, 2026 and October 9, 2026 respectively.

Scorecard4 real differences · 6 level
SBS Banking versus Roxxy Intelligence: the parameters behind the verdict, then further details
ParameterSBS BankingRoxxy Intelligence
PriceFreeFree
Rating4.9 (140 ratings)5.0 (5 ratings) — better
Positive reviews0.0% of reviews100.0% of reviews — better
Number of ratings140 — better5
Update frequencyMonthlyEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationAd-supportedFree — better
DevicesiPhone, iPadiPhone, iPod
Requires iOS18.415.1 — better
Further details — not scored
Size197 MB86 MB
Age rating12+12+
DeveloperState Bank SpencerRoxxy LLC

Customer experience

SBS Banking

All ratings140 ratings
Positive98.6%
Neutral0.0%
Negative1.4%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Roxxy Intelligence

All ratings5 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

SBS Banking

No in-app purchases

None

Roxxy Intelligence

No in-app purchases

Questions

Is SBS Banking free?
SBS Banking is free to download, with no in-app purchases.
Is Roxxy Intelligence free?
Roxxy Intelligence is free to download, with no in-app purchases.
Which has better reviews, SBS Banking or Roxxy Intelligence?
Roxxy Intelligence is rated higher. SBS Banking averages 4.9 out of 5 from 140 ratings, while Roxxy Intelligence averages 5.0 from 5 ratings.
Do SBS Banking or Roxxy Intelligence have ads?
Neither SBS Banking nor Roxxy Intelligence shows ads.
Which is updated more often, SBS Banking or Roxxy Intelligence?
SBS Banking ships an update monthly, and Roxxy Intelligence every 3 weeks. Most recently, SBS Banking was updated on October 24, 2026 and Roxxy Intelligence on October 9, 2026.

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