Fluid card vs Settlo
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Fluid card
Manage your financial account securely from your mobile device. View balances, track transactions, make payments, and update your details with ease. Get support and manage preferences all within the app.
- View balance and credit limit
- Track transactions
- Make payments
- Set up Direct Debit
- Manage statement preferences
- Update contact details
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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
Settlo
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Settlo helps you stay on top of debt payments with a clean, focused planner. Track each debt in one place: - Remaining balance, APR, due date, and monthly payment - Flexible payment logging (pay more or less any month) - Monthly calendar view to spot upcoming dues - Home and Lock Screen widgets for fast glanceable status - Reminder controls so you don’t miss due dates - CSV export for backup Built for speed and clarity: - Fast debt list with swipe actions - Local-first workflow - No account required Settlo is an organization tool and not financial advice.
Screenshots
Verdict
The clearest difference is iOS requirement: Fluid card at 15.0 against Settlo's 26.2. On price, ads, in-app purchases and device support 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.
| Parameter | Fluid card | Settlo |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (21 ratings) — better | — |
| Positive reviews | 60.0% of reviews | — |
| Number of ratings | 21 — better | — |
| Update frequency | Weekly | — |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 15.0 — better | 26.2 |
| Further details — not scored | ||
| Size | 156 MB | 4 MB |
| Age rating | 17+ | 4+ |
| Developer | NewDay Ltd | jaydonlee goulding |
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
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- 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
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- More 0% balance transfer offers for existing customers
- PIN retrieval option in app
- Clear information on charges and payment dates
- Improved standing order management
Settlo
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Fluid card
No in-app purchases
Settlo
No in-app purchases
