Comparison

Spendwise vs Bulder

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

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
Read full description

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

About

Bulder

This banking app offers a forward-looking view of your finances, identifying upcoming subscriptions, bills, and income. It includes features like a bill scanner, receipt collector, and smart mortgage options that automatically adjust to better rates.

Highlights
  • Future financial projections
  • Subscription and bill recognition
  • Invoice scanner
  • Receipt collector
  • Smart mortgage with automatic rate adjustments
  • Personalized savings goals
  • Support for Apple Pay, Garmin Pay, and Fitbit Pay
Features
Read full description

Bulder fra Sparebanken Norge er en ny bankopplevelse. Designet for ditt mobile liv. Ingen filialer. Ingen nettbank. Bare Norges råeste bankapp. Appen ser inn i fremtiden og viser deg hva som skjer i økonomien din fremover. Appen kjenner igjen abonnementer, regninger og inntekter som kommer. I tillegg får du fakturascanner, kvitteringssamler, varslinger, og enkelt oversikt over alt som er viktig for deg! I tillegg til Apple Pay støtter appen også Garmin Pay og Fitbit Pay. I Bulder har vi laget et boliglån som er rimeligere og litt smartere. Det kan du spare mye penger på. Sjekk finansportalen.no. Boliglånet i Bulder skrur seg automatisk ned til den beste renten vi kan gi deg. Når verdien på boligen din går opp, eller du betaler ned på lånet, synker belåningsgraden din. Da går renten ned av seg selv. Vi mener det er fremtidens måte å prise boliglån på. Du får alltid den renten du fortjener, uten å måtte prute. Bulder har blitt kåret til Kundefavoritt to år på rad hos sammenligningstjenesten bytt.no. I appen kan du sette opp dine egne sparemål med personaliserte bilder og GIFer. Du kan spare med god rente på sparekonto, eller i fond om du foretrekker det. Bulder er en egen merkevare som er en del av Sparebanken Norge og opererer under Sparebanken Norge sin bankkonsesjon. Bulder er altså ikke et selvstendig finansforetak. For deg som kunde betyr det at goder, rettigheter og tryggheten som alle Sparebanken Norges kunder også tilfaller deg. Vær oppmerksom på at du som kunde dermed er omfattet av Sparebanken Norge sin innskuddsgaranti opp til 2 millioner kroner for dine samlede innskudd i konseptet Bulder og dine øvrige innskudd i Sparebanken Norge.

Screenshots

Spendwise4 screens
Bulder4 screens

Verdict

The call

The clearest difference is monetization model: Bulder at free against Spendwise's ad-supported. On price, rating, ratings volume and update cadence 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.8 for Spendwise against 4.8 for Bulder. Both are backed by a comparable volume of ratings — 30 and 31 respectively.

UpkeepUpdate frequency

Spendwise ships an update fortnightly, Bulder every 10 days. The most recent releases landed on August 19, 2026 and August 18, 2026 respectively.

Scorecard1 real difference · 9 level
Spendwise versus Bulder: the parameters behind the verdict, then further details
ParameterSpendwiseBulder
PriceFreeFree
Rating4.8 (30 ratings)4.8 (31 ratings)
Positive reviews—100.0% of reviews
Number of ratings3031 — better
Update frequencyFortnightlyEvery 10 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationAd-supportedFree — better
DevicesiPhone, iPadiPhone, iPad
Requires iOS17.0 — better18.4
Further details — not scored
Size76 MB130 MB
Age rating17+4+
DeveloperSEB Kort Bank ABSPAREBANKEN NORGE

Customer experience

Spendwise

All ratings30 ratings
Positive96.7%
Neutral3.3%
Negative0.0%

Bulder

All ratings31 ratings
Positive93.5%
Neutral3.2%
Negative3.2%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Spendwise

No in-app purchases

None

Bulder

No in-app purchases

Questions

Is Spendwise free?
Spendwise is free to download, with no in-app purchases.
Is Bulder free?
Bulder is free to download, with no in-app purchases.
Which has better reviews, Spendwise or Bulder?
Spendwise and Bulder are both rated 4.8 out of 5 on the App Store, from 30 and 31 ratings respectively.
Do Spendwise or Bulder have ads?
Neither Spendwise nor Bulder shows ads.
Which is updated more often, Spendwise or Bulder?
Spendwise ships an update fortnightly, and Bulder every 10 days. Most recently, Spendwise was updated on August 19, 2026 and Bulder on August 18, 2026.

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