Comparison

SecondFi vs Reciqo

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

Head to head
About

SecondFi

Manage your Cardano ADA securely and efficiently on your mobile device. This lightweight wallet offers fast transaction capabilities and stores your private keys locally for enhanced privacy. Supports multiple languages for a global user base.

Highlights
  • Secure ADA management
  • Lightweight and fast
  • Local private key storage
  • Multi-language support
  • Low bandwidth usage
Features
Read full description

Join 1M+ users on SecondFi (formerly Yoroi), a self-custody neofinance platform built for spending, trading, earning, and saving with you in control. - The card, built for self-custody. A self-custody debit card issued by Wirex. - Spend anywhere, anytime. Use your SecondFi card anywhere Visa is accepted. In-store, online, or abroad. - Send money, fast. Send crypto in seconds. Move funds across networks and borders. - Stake and earn. Earn rewards on supported assets by staking them, straight from your wallet. - Swap on your terms. Swap assets across chains. - Save with stability. Put your assets to work. Designed for yield from real-world assets. - You own your money, fully. Global. Accessible. Yield-bearing. User controlled. SecondFi was built by EMURGO for anyone who wants a second home for their money. The future is onchain. SecondFi is how you get there. Important information SecondFi is a self-custody platform. You hold your own private keys, which means you are solely responsible for the security of your wallet and funds. Lost keys or recovery phrases cannot be restored by SecondFi. Cryptocurrencies are volatile assets. The value of digital assets can rise and fall, and you may lose some or all of the value of your holdings. Only transact with what you can afford to lose. The SecondFi Visa card is issued by Wirex pursuant to a license from Visa. Card availability, features, and supported assets may vary by region. Visa is a registered trademark of Visa Inc. SecondFi is built by EMURGO, a co-founding entity of the Cardano blockchain. SecondFi is not a bank and does not provide banking services. SecondFi does not hold customer funds.

About

Reciqo

Read full description

Reciqo turns your receipts, invoices, fuel slips and payment documents into an organized record you can actually search later. Point your camera at a receipt and Reciqo pulls out the merchant, the line items and the total on its own. No typing, no spreadsheets, no shoebox full of crumpled paper. WHAT YOU GET Scan almost anything Receipts, invoices, fuel slips, school payments, government fees. If it has a merchant, a date and a total, Reciqo can read it. Track prices over time Reciqo keeps the individual items too, so you can watch how much that same product actually costs you month to month. Business expenses, sorted Tag anything as a business expense and pull a report by date range and category when tax season rolls around. Find things fast Search by merchant, amount, date or product. Categories get applied automatically so you're not doing it by hand. See where your money goes Monthly totals, spending by category, your most frequent merchants, all in one screen. Export when you need to CSV or PDF, whenever you want a copy. Reminders that matter Return windows, warranty expirations, your monthly budget. Reciqo nudges you before you miss them. A little bit smart It'll flag things like a spending trend or a merchant you keep going back to. Works in 10 languages And handles every major currency, so it's not just built for one country. FREE TO START Your first 20 documents cost nothing. No card required, no trial clock running out. Upgrade whenever you actually need more. SAME ACCOUNT, ANY DEVICE Sign in with Google, Apple, or email and everything syncs automatically across your devices. YOUR DATA STAYS YOURS We don't sell it. Full stop. Premium subscriptions (Monthly, 6-Month or Yearly) auto-renew unless cancelled at least 24 hours before the end of the current period, and are billed to your App Store account. Manage or cancel anytime in your device's subscription settings. Terms of Use (EULA): https://reciqo.com/terms.html Privacy Policy: https://reciqo.com/privacy.html Questions or feedback? We actually read what you send: info@reciqo.com

Screenshots

SecondFi4 screens
Reciqo4 screens

Verdict

The call

The clearest difference is in-app purchases: SecondFi at none against Reciqo's 3. Reciqo's advantage is update cadence (every 2 days vs fortnightly). On price, ads, device support and iOS requirement 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. Reciqo sells 3 in-app purchases, starting at $8.99 per month. SecondFi asks for nothing beyond the download.

UpkeepUpdate frequency

SecondFi ships an update fortnightly, Reciqo every 2 days. The most recent releases landed on November 2, 2026 and November 6, 2026 respectively.

Scorecard2 real differences · 8 level
SecondFi versus Reciqo: the parameters behind the verdict, then further details
ParameterSecondFiReciqo
PriceFreeFree
Rating3.6 (584 ratings) — better—
Positive reviews40.4% of reviews—
Number of ratings584 — better—
Update frequencyFortnightlyEvery 2 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.415.5 — better
Further details — not scored
Size113 MB78 MB
Age rating17+4+
DeveloperEMURGO Co., LtdCaner Sahin

Bugs and requests

SecondFi

Reported bugs

4 issues
  • Wallet balances not syncing correctly
  • Unable to restore wallet from seed phrase
  • Biometric login not working as expected
  • Delegation and staking issues

Requested features

4 requests
  • Add support for fiat currency display
  • Improve navigation and back button functionality
  • Implement dark mode theme
  • Enhance NFT viewing capabilities

Reciqo

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

SecondFi

No in-app purchases

3 purchases

Reciqo

Subscriptions3
  • Monthly$8.991 Month
  • 6 Months$47.996 Months
  • Yearly$69.991 Year

Questions

Is SecondFi free?
SecondFi is free to download, with no in-app purchases.
Is Reciqo free?
Reciqo is free to download, with in-app purchases available.
Do SecondFi or Reciqo have ads?
Neither SecondFi nor Reciqo shows ads.
Which is updated more often, SecondFi or Reciqo?
SecondFi ships an update fortnightly, and Reciqo every 2 days. Most recently, SecondFi was updated on November 2, 2026 and Reciqo on November 6, 2026.

Other comparisons