Spar Key vs TMS Treasury
Price, ratings, monetisation and update history for both apps, side by side β with what reviewers say about each.
Spar Key
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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 Bankβs Online Banking System. Spar Key enables a more secure and efficient environment for Sparkasse Bank Malta plcβs clients throughout the following processes: β’ Logging-in into the Bankβs 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 βthe EUβs Payment Services Directive II (PSD II)β.
TMS Treasury
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
| Parameter | Spar Key | TMS Treasury |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 19 months β better | Every 24 months |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 12.4 β better | 15.0 |
| Further details β not scored | ||
| Size | 44 MB | 18 MB |
| Age rating | 4+ | 4+ |
| Developer | Sparkasse Bank Malta plc | AXNOSIS LTD |
In-app purchases
Spar Key
No in-app purchases
TMS Treasury
No in-app purchases









