# Bread Savings vs Bread Financial

The clearest difference is monetization model: Bread Financial at free against Bread Savings's free with in-app purchases. Bread Financial also leads on ratings volume (172K vs 6.5K) and chart position (#80 vs unranked). Bread Savings's advantage is review sentiment (43% vs 34%). On price, rating, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

On the App Store both sit at effectively the same score — 4.7 for Bread Savings against 4.8 for Bread Financial. That said, the two scores are not equally well evidenced: Bread Financial has 172K ratings behind it against 6.5K, so its average is the more settled of the two. Written reviews are what separate them: 43% of Bread Savings's written reviews are positive against 34% of Bread Financial's.

Bread Savings ships an update monthly, Bread Financial every 2 weeks. The most recent releases landed on October 26, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | Bread Savings | Bread Financial |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (6.5K ratings)](https://appshunter.io/ios/app/bread-savings/id1418641581/reviews) | **[4.8 (172K ratings)](https://appshunter.io/ios/app/bread-financial/id1600495551/reviews)** |
| Number of ratings | 6.5K | **172K** |
| Positive reviews | **43.0% of reviews** | 33.6% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 2 weeks** |
| Monetization | Free with in-app purchases | **Free** |
| Best chart rank | — | **#80** |
| Size | 196 MB | 102 MB |
| Requires iOS | 18.4 | **16.6** |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 12+ | 4+ |
| Developer | [Comenity LLC](https://appshunter.io/developer/943226747) | [Bread Financial Holdings, Inc.](https://appshunter.io/developer/1257099816) |

## What reviewers say

### Bread Savings

[App page](https://appshunter.io/ios/app/bread-savings/id1418641581)

Manage your high-yield savings accounts and CDs on the go. Securely access your accounts, monitor transactions, and make deposits with mobile check capture. Effortlessly transfer funds and personalize your banking experience.

**Highlights:** Secure account access, Monitor balances and transactions, Mobile check deposit, Fund transfers, Personalized interface, Customer support access

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to use app
- 👍 Responsive customer service
- 💰 Competitive interest rates
- 🏦 Great online banking platform

**What reviewers complain about**

- 🐛 Frequent app crashes
- ⏱️ Long customer service wait times
- 🔒 Account access issues
- 🔍 Lack of account visibility

**Reported bugs**

- Login credentials not working
- Updating app causes issues
- Inconsistent account information

**Requested features**

- Integrate credit card management
- Add multi-account view
- Improve transfer limits and hold times


### Bread Financial

[App page](https://appshunter.io/ios/app/bread-financial/id1600495551)

**Currently charting:** #80 Top Free · Finance (US App Store)

Manage your Comenity credit cards securely and conveniently. Track transactions, make payments, view statements, and redeem rewards. This app allows for easy account management and access to exclusive offers.

**Highlights:** Activate credit cards, Review transactions and statements, Schedule and manage payments, Track and redeem rewards, Request credit limit increase, Lock or unlock cards, Transfer balances

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to use
- 💡 Convenient app for managing credit card
- 👍 Well-organized and intuitive interface
- 🚀 Smooth and responsive app
- 👍 Clean and modern design

**What reviewers complain about**

- 🐛 Frequent technical issues and app crashes
- 🔒 Security and privacy concerns
- 👎 Poor customer service and support
- 👎 Limitations in payment and reward redemption options
- 🔒 Lack of two-factor authentication

**Reported bugs**

- Login issues and inability to access accounts
- Disappearing transaction history and payment records
- Delayed or inconsistent automatic payment updates
- Compatibility issues with certain devices or operating systems

**Requested features**

- iPad app support
- Push notifications for transactions
- Ability to view credit score within the app
- More robust payment plan options
- Direct deposit for reward redemption


## Frequently asked questions

### Is Bread Savings free?

Bread Savings is free to download, with no in-app purchases.

### Is Bread Financial free?

Bread Financial is free to download, with no in-app purchases.

### Which has better reviews, Bread Savings or Bread Financial?

Bread Financial is rated higher. Bread Savings averages 4.7 out of 5 from 6.5K ratings, while Bread Financial averages 4.8 from 172K ratings.

### Do Bread Savings or Bread Financial have ads?

Neither Bread Savings nor Bread Financial shows ads.

### Which is updated more often, Bread Savings or Bread Financial?

Bread Savings ships an update monthly, and Bread Financial every 2 weeks. Most recently, Bread Savings was updated on October 26, 2026 and Bread Financial on October 28, 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.*