# Spendwise vs EFN

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.

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

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

## The numbers

| Metric | Spendwise | EFN |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (30 ratings)](https://appshunter.io/ios/app/spendwise/id1441419364/reviews)** | — |
| Number of ratings | **30** | — |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Fortnightly** | Monthly |
| Monetization | Ad-supported | — |
| Size | 76 MB | 75 MB |
| Requires iOS | **17.0** | 26.0 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 17+ | 4+ |
| Developer | [SEB Kort Bank AB](https://appshunter.io/developer/1145360306) | [EFN Ekonomikanalen AB](https://appshunter.io/developer/1528011893) |

## 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


### EFN

[App page](https://appshunter.io/ios/app/efn/id6738092534)

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*