Spendwise vs Lova
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Spendwise
Manage your credit card accounts, view transactions, and track loan details. Receive important notifications about purchases and spending limits. Easily access your PIN, block lost cards, and explore payment options for larger purchases.
- View credit card balances and transactions
- Track personal loan details
- Receive spending limit notifications
- Manage PIN codes
- Block and order new cards
- Utilize part payment options
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Spendwise lets you view your credit card balance, transactions, invoices, and keep track of your Spendwise Privatlån. This app simplifies your life. You can for instance: • Get notifications of important events, purchases or if you reached your spending limits. • Choose and view your PIN code. • Block and order a new card if it has been lost or stolen. • Use “part payment”, in order to quickly see what it costs to divide a larger purchase over several months. • View your current debt, upcoming payment, and invoices for Spendwise Personal Loan. The app supports: • Scandic Friends Mastercard • Circle K Mastercard • Strawberry Mastercard • SJ Prio Mastercard • SaabKortet Mastercard • INGO Mastercard • NK Nyckeln Mastercard • Wallet • GlobeCard • Volvo Mastercard • Esso Mastercard • Finnair Plus Mastercard in Finland • Eurocard • Landkreditt Mastercard
Lova
Securely add your credit or debit cards to make payments at supported merchants and vending machines. This app offers a convenient way to replace your physical wallet for seamless transactions.
- Securely add credit/debit cards
- Pay at supported merchants
- Pay at vending machines
- Replace physical wallet
- Simple transaction performance
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Lova gives you the ability to securely add your credit/debit card(s) to the app. Once your card(s) are added you can pay using the app at merchants/vending machines/etc that support Lova payments. Replace your wallet when shopping at a Lova supported kiosk or other locations supporting Lova and enjoy the simple way of performing transactions.
Screenshots
Verdict
The clearest difference is rating: Spendwise at 4.8 against Lova's 4.6. Spendwise also leads on update cadence (fortnightly vs monthly). Lova's advantage is monetization model (free vs ad-supported) and ratings volume (154 vs 30). 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.
Spendwise holds the better App Store score, 4.8 against 4.6. That said, the two scores are not equally well evidenced: Lova has 154 ratings behind it against 30, so its average is the more settled of the two.
Spendwise ships an update fortnightly, Lova monthly. The most recent releases landed on September 30, 2026 and October 17, 2026 respectively.
| Parameter | Spendwise | Lova |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (30 ratings) — better | 4.6 (154 ratings) |
| Positive reviews | — | 16.7% of reviews |
| Number of ratings | 30 | 154 — better |
| Update frequency | Fortnightly — better | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 17.0 | 15.5 — better |
| Further details — not scored | ||
| Size | 76 MB | 92 MB |
| Age rating | 17+ | 4+ |
| Developer | SEB Kort Bank AB | Instant Systems Sweden AB |
Customer experience
Spendwise
Lova
In-app purchases
Spendwise
No in-app purchases
Lova
No in-app purchases
