# SpenDebt vs Restart

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.

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.

## The numbers

| Metric | SpenDebt | Restart |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (8 ratings)](https://appshunter.io/ios/app/spendebt/id1422084789/reviews)** | [4.0 (83 ratings)](https://appshunter.io/ios/app/restart-mobile-banking-app/id1576922155/reviews) |
| Number of ratings | 8 | **83** |
| Positive reviews | 50.0% of reviews | **71.8% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 13 months | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 26 MB | 187 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [SPENDEBT, INC](https://appshunter.io/developer/1422084788) | [Restart Financial](https://appshunter.io/developer/1560009429) |

## What reviewers say

### SpenDebt

[App page](https://appshunter.io/ios/app/spendebt/id1422084789)

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.

**Highlights:** Automated debt repayment, Micropayments from transactions, Builds financial discipline, Improves financial health, On-time payment tracking

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### Restart

[App page](https://appshunter.io/ios/app/restart-mobile-banking-app/id1576922155)

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.

**Highlights:** Fee-free checking account, Visa debit card, Social impact donations, Early direct deposit, Mobile check deposit, Multi-language support, ATM withdrawals

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 Easy and fast registration
- 👍 Convenient mobile banking app
- 👍 Free to use
- 👍 Good for refugees and newcomers
- 👍 Russian-speaking support available

**What reviewers complain about**

- ❌ Scam accusations
- ❌ Inability to withdraw funds
- ❌ Accounts frozen and money taken
- ❌ Deactivated accounts after deposit
- ❌ Lies about no credit check

**Reported bugs**

- 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

**Requested features**

- Option to call customer support


## Frequently asked questions

### Is SpenDebt free?

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

### Is Restart free?

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

### Which has better reviews, SpenDebt or Restart?

SpenDebt is rated higher. SpenDebt averages 4.6 out of 5 from 8 ratings, while Restart averages 4.0 from 83 ratings.

### Do SpenDebt or Restart have ads?

Neither SpenDebt nor Restart shows ads.

### Which is updated more often, SpenDebt or Restart?

SpenDebt ships an update every 13 months, and Restart every 3 weeks. Most recently, SpenDebt was updated on November 2, 2026 and Restart on November 3, 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.*