Comparison

Spar Key vs TMS Treasury

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

Head to head
About

Spar Key

Features
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Sparkasse Bank Malta plc has released an Authentication Application that has removed the need for a physical token to be used when accessing and transacting on your account(s) using the Bank’s Online Banking System. Spar Key enables a more secure and efficient environment for Sparkasse Bank Malta plc’s clients throughout the following processes: β€’ Logging-in into the Bank’s Online Banking System; β€’ Authorising the release of Payment Instructions; and β€’ Authorising the release of Securities related orders. Spar Key has been developed in compliance with the requirements on Strong Customer Authentication stemming from β€˜the EU’s Payment Services Directive II (PSD II)’.

About

TMS Treasury

Features
Read full description

Inside D365 F&O Axnosis developed a treasury module that manages loans. Users can use this app to interact with D365 F&O to handle a wide range of loans - from corporate, private, consumer, mortgage, and specialty loans, to borrower's note loans and policy loans. Axnosis Loans Management mobile app is functionally comprehensive and can manage both loans given and loans taken.

Screenshots

Spar Key4 screens
TMS Treasury4 screens

Verdict

The call

The clearest difference is iOS requirement: Spar Key at 12.4 against TMS Treasury's 15.0. On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS

CostPrice Β· In-app purchases Β· Ads Β· Monetization

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

UpkeepUpdate frequency

Spar Key ships an update every 19 months, TMS Treasury every 24 months. The most recent releases landed on October 17, 2026 and October 27, 2026 respectively.

Scorecard1 real difference Β· 5 level
Spar Key versus TMS Treasury: the parameters behind the verdict, then further details
ParameterSpar KeyTMS Treasury
PriceFreeFree
Update frequencyEvery 19 months β€” betterEvery 24 months
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS12.4 β€” better15.0
Further details β€” not scored
Size44 MB18 MB
Age rating4+4+
DeveloperSparkasse Bank Malta plcAXNOSIS LTD

In-app purchases

None

Spar Key

No in-app purchases

None

TMS Treasury

No in-app purchases

Questions

Is Spar Key free?
Spar Key is free to download, with no in-app purchases.
Is TMS Treasury free?
TMS Treasury is free to download, with no in-app purchases.
Do Spar Key or TMS Treasury have ads?
Neither Spar Key nor TMS Treasury shows ads.
Which is updated more often, Spar Key or TMS Treasury?
Spar Key ships an update every 19 months, and TMS Treasury every 24 months. Most recently, Spar Key was updated on October 17, 2026 and TMS Treasury on October 27, 2026.

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