Comparison

Spendwise vs EFN

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
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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

About

EFN

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Som en del av EFN levererar Finansmagasinet textnyheter, analyser, reportage och intervjuer inom områden som börs, aktiemarknad, sparande och företagande – en självklar källa för den som söker fördjupad kunskap och insikt i ekonomi och finans. EFN drivs av en oberoende redaktion och ägs av Handelsbanken, och har blivit utsedd till Sveriges bästa ekonomikanal fem år i rad.

Screenshots

Spendwise4 screens
EFN4 screens

Verdict

The call

The clearest difference is ads: Spendwise at none against EFN's shown. Spendwise also leads on iOS requirement (17.0 vs 26.0). On price, update cadence, 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

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

Spendwise ships an update fortnightly, EFN monthly. The most recent releases landed on November 2, 2026 and October 30, 2026 respectively.

Scorecard2 real differences · 7 level
Spendwise versus EFN: the parameters behind the verdict, then further details
ParameterSpendwiseEFN
PriceFreeFree
Rating4.8 (30 ratings) — better—
Number of ratings30 — better—
Update frequencyFortnightly — betterMonthly
AdsNo — betterYes
In-app purchasesNoNo
MonetizationAd-supported—
DevicesiPhone, iPadiPhone, iPad
Requires iOS17.0 — better26.0
Further details — not scored
Size76 MB75 MB
Age rating17+4+
DeveloperSEB Kort Bank ABEFN Ekonomikanalen AB

In-app purchases

None

Spendwise

No in-app purchases

None

EFN

No in-app purchases

Questions

Is Spendwise free?
Spendwise is free to download, with no in-app purchases.
Is EFN free?
EFN is free to download, with no in-app purchases.
Do Spendwise or EFN have ads?
EFN shows ads; Spendwise does not.
Which is updated more often, Spendwise or EFN?
Spendwise ships an update fortnightly, and EFN monthly. Most recently, Spendwise was updated on November 2, 2026 and EFN on October 30, 2026.

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