# Spendwise vs Lova

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.

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.

## The numbers

| Metric | Spendwise | Lova |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (30 ratings)](https://appshunter.io/ios/app/spendwise/id1441419364/reviews)** | [4.6 (154 ratings)](https://appshunter.io/ios/app/lova/id1442553810/reviews) |
| Number of ratings | 30 | **154** |
| Positive reviews | — | 16.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Monthly |
| Monetization | Ad-supported | **Free** |
| Size | 76 MB | 92 MB |
| Requires iOS | 17.0 | **15.5** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 17+ | 4+ |
| Developer | [SEB Kort Bank AB](https://appshunter.io/developer/1145360306) | [Instant Systems Sweden AB](https://appshunter.io/developer/1057939435) |

## What reviewers say

### Spendwise

[App page](https://appshunter.io/ios/app/spendwise/id1441419364)

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.

**Highlights:** 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

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

**In-app purchases:** none


### Lova

[App page](https://appshunter.io/ios/app/lova/id1442553810)

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.

**Highlights:** Securely add credit/debit cards, Pay at supported merchants, Pay at vending machines, Replace physical wallet, Simple transaction performance

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Spendwise free?

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

### Is Lova free?

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

### Which has better reviews, Spendwise or Lova?

Spendwise is rated higher. Spendwise averages 4.8 out of 5 from 30 ratings, while Lova averages 4.6 from 154 ratings.

### Do Spendwise or Lova have ads?

Neither Spendwise nor Lova shows ads.

### Which is updated more often, Spendwise or Lova?

Spendwise ships an update fortnightly, and Lova monthly. Most recently, Spendwise was updated on September 30, 2026 and Lova on October 17, 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.*