SpenDebt vs Restart
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
SpenDebt
This app automates debt and bill repayment by rounding up everyday transactions and contributing the difference towards your balance. It helps build financial discipline and improve your financial health through consistent, on-time payments.
- Automated debt repayment
- Micropayments from transactions
- Builds financial discipline
- Improves financial health
- On-time payment tracking
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Small payments can make real progress. SpenDebt helps you make progress on what you owe with Everyday Micropayments. You choose a small amount that works for you. As you go about your everyday life and spend money, SpenDebt uses your activity to help you build small payments toward the account you choose. YOU’RE IN CONTROL • Choose your Everyday Micropayment amount • Connect your bank securely • Choose the account you want to make progress on • Set a monthly limit that works for your budget • Track your payments and progress in one place No round-ups. You choose the amount. Whether you're working on a credit card, student loan, auto loan, or another eligible account, SpenDebt helps turn something you're already doing—spending—into an opportunity to keep moving forward. You don't have to change your whole life to start making progress. Small payments. Real progress. Everyday Micropayments. Measurable Progress.
Restart
This banking app allows users to open a fee-free checking account and use a Visa debit card. It offers features like early direct deposit, mobile check deposit, and ATM access. A unique aspect is its social impact feature, donating profits to a foundation with every transaction.
- Fee-free checking account
- Visa debit card
- Social impact donations
- Early direct deposit
- Mobile check deposit
- Multi-language support
- ATM withdrawals
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Bank with Purpose. Make a social impact with every swipe at no cost to you. Open a fee-free account with competitive features and multi-language support. SOCIAL IMPACT BANKING With other banks, you’re a number. With Re:start, you're a giver. With your every swipe, until the end of 2022, we donate 100% of our net profit to Liberty Ukraine Foundation, at no additional cost to you. Through many small (trans)actions, you can make a large impact. See your monthly and all-time social impact in the app. FEE-FREE BANKING Re:start is a digital bank without fees imposed by traditional banks. Our fee-free app, checking accounts, and Visa® debit cards mean no maintenance fees or minimum balances. APP FEATURES - Access your fee-free checking account and Visa® debit card. - View the social impact of your swipes. - Deposit checks with a photo. - Withdraw cash fee-free at over 30,000 ATMs nationwide. - Secure your paycheck 2 days early with direct deposit. - Track your account balance with detailed insights on charges and income. - Lock and unlock your Visa® debit card instantly. - View the app in English, Russian, Polish, Ukrainian, Armenian, Czech, Belarusian, and Persian. Visit restartbank.com/faq for terms and conditions.
Screenshots
Verdict
The clearest difference is rating: SpenDebt at 4.6 against Restart's 4.0. Restart's advantage is update cadence (every 3 weeks vs every 13 months) and review sentiment (72% vs 50%). On price, ads, in-app purchases and monetization model 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.
SpenDebt holds the better App Store score, 4.6 against 4.0. That said, the two scores are not equally well evidenced: Restart has 83 ratings behind it against 8, so its average is the more settled of the two. Written reviews complicate that: 50% of SpenDebt's written reviews are positive against 72% of Restart's, so the app with the better star average is not the one people write more warmly about.
SpenDebt ships an update every 13 months, Restart every 3 weeks. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.
| Parameter | SpenDebt | Restart |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (8 ratings) — better | 4.0 (83 ratings) |
| Positive reviews | 50.0% of reviews | 71.8% of reviews — better |
| Number of ratings | 8 | 83 — better |
| Update frequency | Every 13 months | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 26 MB | 187 MB |
| Age rating | 4+ | 4+ |
| Developer | SPENDEBT, INC | Restart Financial |
Customer experience
SpenDebt
Restart
Bugs and requests
SpenDebt
Not enough reviews yet to summarise bugs or requests.
Restart
Reported bugs
8 issues- Cannot open account, no registration button
- App doesn't work correctly
- Error message when adding bank
- Error message when transferring money
- Mobile check deposit on extended hold
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- Debit card not approved for transactions
- Account deactivated after deposit
- Account closed with money inside
Requested features
1 request- Option to call customer support
In-app purchases
SpenDebt
No in-app purchases
Restart
No in-app purchases
