Comparison

Fluid card vs Algbra

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

Head to head
About

Fluid card

Manage your financial account securely on the go. View balances, track transactions, make payments, and update your details with ease. Register directly through the app if you're a new user.

Highlights
  • View account balance and credit limit
  • Track pending and latest transactions
  • Make payments and set up Direct Debit
  • Manage statement preferences
  • Update contact details
  • Contact customer support
  • Register for online account management
Features
Read full description

Manage your account anywhere, anytime, with our secure mobile app. Free to download now, we have lots of features to enable you to manage your account easily: - View your latest balance and available credit limit - View your latest transactions, including transactions that are still pending - Make a payment on your account - Set up or manage your Direct Debit - Manage your statement preferences - Update your contact details - Get in contact with us and view our FAQs Registered for Online Account Manager already? If you’re registered for Online Account Manager already then you’ll be able to use these details to login. No need to re-register! Not Registered for Online Account Manger? If you’re not registered for Online Account Manager then no problem! Download the app and click ‘Register for Online Account Manager’. You’ll need the following details to hand: - Last name - Date of birth - Postcode - Your card details OR your account number

About

Algbra

Manage your money with an ethical finance platform that prioritizes people and the planet. Open an account, handle multiple currencies, grow savings, and support causes, all while ensuring your funds are protected from harmful industries.

Highlights
  • Ethical Saver Cubes with competitive returns
  • Multi-currency accounts for holding, sending, and converting
  • Borderless accounts with IBANs for international transfers
  • Donate to trusted charities directly from the app
  • Track and offset your carbon footprint
  • Contactless and virtual debit cards
  • Biometric login for secure access
Features
Read full description

Algbra is the ethical finance platform designed to help you spend, save, and manage money in a way that puts people and the planet first. Open an account with ease, manage multiple currencies, grow your savings, and support causes that matter, all from within one app. Finance, made for humans. Your money should work for you without compromising your values. When we hold your money, we ensure that it’s protected from harmful industries such as arms, tobacco, fossil fuels, and gambling, helping to create a more responsible financial system. Ethical Saver Cubes Grow your savings while helping to support sustainable development globally. Create dedicated saving goals and earn competitive fixed returns in just a few taps. • Competitive returns • Choose fixed terms that suit you • Create multiple saving goals • FSCS protection up to £120,000 (T&Cs apply) • Sharia-compliant and Ethical One app. Multiple currencies Hold, send, receive, and convert money across currencies without juggling multiple apps. • Hold multiple currencies in one place • Send money to 20+ countries • Convert currencies with clear, competitive exchange rates Borderless accounts Open a UK account from wherever you call home. • Get an Algbra account with IBANs for GBP, USD, EUR and other supported currencies • Make international transfers • Enhanced fee-free allowances • Spend abroad with ease Algbra’s Borderless Account allows eligible customers to access UK financial services globally, making it easier to manage money internationally. T&Cs apply. Donate with a tap Support the causes that matter to you directly from the app. With Algbra Donations, you can make a difference in seconds. • Donate to trusted charities • Set up recurring or one-off donations 100% of your donation goes directly to the charity. Planet impact tracking Discover how your spending impacts the planet. Track your estimated carbon footprint and offset your impact to take meaningful steps towards a more sustainable world. Everything else you'd expect • Fast signup, no credit score impact • Contactless & virtual debit cards • Add to Apple Wallet • Instant top-ups via Open Banking • Spending analytics • Secure Biometric login (Face ID & fingerprint) Algbra FS UK Limited is authorised as an Electronic Money Institution by the UK Financial Conduct Authority (FCA) (FRN: 952360). Algbra FS UK Limited is registered in England and Wales (Company No. 12629086). Funds held in your Ethical Saver Cubes are protected by the FSCS up to £120,000. T&Cs apply. The Algbra card is issued pursuant to licence by Mastercard International Incorporated. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. IMPORTANT: This content is provided for informational purposes only and is not intended as marketing or solicitation in jurisdictions where we are not licensed or authorised to operate.

Screenshots

Fluid card4 screens
Algbra4 screens

Verdict

The call

The clearest difference is rating: Algbra at 5.0 against Fluid card's 4.6. Fluid card's advantage is update cadence (weekly vs every 2 weeks). On price, review sentiment, ratings volume 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

Algbra holds the better App Store score, 5.0 against 4.6. Both are backed by a comparable volume of ratings — 21 and 20 respectively. Written reviews complicate that: 60% of Fluid card's written reviews are positive against 55% of Algbra's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Fluid card ships an update weekly, Algbra every 2 weeks. The most recent releases landed on November 6, 2026 and November 3, 2026 respectively.

Scorecard2 real differences · 8 level
Fluid card versus Algbra: the parameters behind the verdict, then further details
ParameterFluid cardAlgbra
PriceFreeFree
Rating4.6 (21 ratings)5.0 (20 ratings) — better
Positive reviews60.0% of reviews — better55.0% of reviews
Number of ratings21 — better20
Update frequencyWeekly — betterEvery 2 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.015.0
Further details — not scored
Size153 MB136 MB
Age rating17+4+
DeveloperNewDay LtdAlgbra FS UK Limited

Customer experience

Fluid card

All ratings21 ratings
Positive90.5%
Neutral4.8%
Negative4.8%
Written reviews120 reviews
Positive60.0%
Neutral6.7%
Negative33.3%

Algbra

All ratings19 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews80 reviews
Positive55.0%
Neutral5.0%
Negative40.0%

User reviews

Fluid card

From 21 App Store ratings

What we love

  • 👍 Easy to use app and interface
  • 💳 Simple payment process
  • 🔒 Good security features
  • 📱 Well-designed app layout
  • 💰 Flexible credit options

Room to improve

  • 🐛 Frequent app crashes and errors
  • 🔐 Login issues and access problems
  • 💸 High interest rates
  • ⚠️ Payment processing failures
  • 📉 Poor credit limit decisions

Algbra

From 20 App Store ratings

What we love

  • 👍 Clean and straightforward UI
  • 🚀 Speedy ecosystem
  • 🔒 Safe and essential banking
  • 👍 Easy to use
  • ✨ Ethical and sustainable values

Room to improve

  • 😞 No response after applying
  • ⚠️ Account blocked for no reason
  • 🆘 Unable to spend/send
  • 🚫 Not for NI residents
  • 😥 Withholding funds

Bugs and requests

Fluid card

Reported bugs

11 issues
  • App won't open or load
  • Login fails with 'something went wrong' error
  • Face ID authentication not working
  • Payment recorded but not reflected in account
  • App times out during login
Show 6 more
  • Standing orders not executing
  • App crashes after updates
  • iPhone 7 compatibility issues
  • Payment decline without clear reason
  • Frozen card button disappears from interface
  • OTP not being sent for login verification

Requested features

9 requests
  • Save debit card details for future payments
  • Display payment due date prominently
  • Show interest breakdown in app
  • Alternative login method (passcode option)
  • Better balance transfer functionality
Show 4 more
  • More 0% balance transfer offers for existing customers
  • PIN retrieval option in app
  • Clear information on charges and payment dates
  • Improved standing order management

Algbra

Reported bugs

34 issues
  • App keeps telling to update even after update
  • Account frozen and restricted
  • Account blocked randomly
  • App crashing non-stop
  • Balance not showing
Show 29 more
  • Cube not showing
  • No transactions showing
  • Account closed on Christmas Eve
  • Account closed randomly
  • Account closed with money in it
  • Account closed without reason
  • Account closed while abroad
  • Money not returned within 28 days
  • Passport picture flare causing rejection
  • Card blocked randomly
  • Account on hold
  • Account blocked after wages paid in
  • Account blocked after receiving payment
  • Account blocked before Christmas
  • Account blocked after sending payslip and bank statement
  • Account closed without explanation
  • Account on hold with no explanation
  • Card declining
  • Account closed without reason given
  • Account closed with rent money in it
  • Account closed without valid reason
  • Account blocked each time making a transfer
  • Account blocked after receiving wages
  • Account blocked after sending documents
  • Account blocked after sending proof
  • Account blocked after sending ID/selfie
  • Account blocked after sending nominated account
  • Account blocked after sending bank transfers
  • Account blocked after receiving a payment over £50

Requested features

10 requests
  • Ability to delete bank contacts
  • Apple Pay
  • Debit card top ups
  • Subscription plan for cashback/credit score
  • Interest on balances
Show 5 more
  • Disposable cards
  • Savings Pots
  • Dark mode
  • Apply Pay
  • Option to update personal details

In-app purchases

None

Fluid card

No in-app purchases

None

Algbra

No in-app purchases

Questions

Is Fluid card free?
Fluid card is free to download, with no in-app purchases.
Is Algbra free?
Algbra is free to download, with no in-app purchases.
Which has better reviews, Fluid card or Algbra?
Algbra is rated higher. Fluid card averages 4.6 out of 5 from 21 ratings, while Algbra averages 5.0 from 20 ratings.
Do Fluid card or Algbra have ads?
Neither Fluid card nor Algbra shows ads.
Which is updated more often, Fluid card or Algbra?
Fluid card ships an update weekly, and Algbra every 2 weeks. Most recently, Fluid card was updated on November 6, 2026 and Algbra on November 3, 2026.

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