Comparison

Spentra vs Kittrell Pay

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

Head to head
About

Spentra

Access earned wages early and manage your pay with a dedicated payroll card. This solution offers instant access to a portion of your net wages before your payday, improving financial stability. Take control of your finances with features like card management, transaction alerts, and surcharge-free ATM access.

Highlights
  • Early access to earned wages
  • Manage payroll card
  • Instant transaction alerts
  • Block/unblock card
  • Surcharge-free ATM finder
  • No card or maintenance fees
Features
Read full description

A complete pay access solution designed to improve financial stability. Get early access to earned wages anytime, anywhere. Money Earned® from Spentra is an employer-sponsored benefit. It was designed from the ground up to provide employees with a better option to get and manage their pay. Money Earned® is our proprietary patented product that allows you instant access to up to 50% of your already earned net wages in advance of your paycheck date. Your money is sent directly to your own debit card or bank account. If your employer already offers Spentra, just download the app, link your debit card or bank account, and begin to manage the money you know you have. If your employer does not currently offer Spentra, just have them contact us at info@spentra.com and we will be glad to make that happen. Take control of your money and align what matters to you…today. MANAGE YOUR PAY FROM THE SPENTRA APP Enroll in minutes directly from the app Link your own debit card and bank account Choose how you receive your money: to your debit card or to your bank account See your available earned wages anytime Review your transfer history in the app Friendly and responsive customer support Our patented benefit, Money Earned® *Standard message and data rates from your wireless service provider may apply. The Money Earned® service is provided by Spentra, LLC. See the app for terms and any applicable fees.

About

Kittrell Pay

Manage your card account conveniently on the go. Check your balance, review past and pending transactions, and freeze or unfreeze your card. Future updates will include bill payment setup.

Highlights
  • Check account balance
  • View transaction history
  • Freeze/unfreeze card
  • Set up bill payments (coming soon)
  • Secure login
Features
Read full description

Create new credentials or sign in with your existing username and password, and access your Kittrell Paycard on the go! This release will allow you to check your balance, view past and pending transactions, freeze and unfreeze your card, and soon, set up bill payments! Enjoy! Your security is important to us. We use industry standard practices to protect and maintain the privacy and security of your information online and in our app. End User License Agreement: By downloading this app, you agree that your use of this web-based software and related services ("Kittrell Paycard Software") that facilitate online banking via your phone or other eligible mobile device is limited to the transactions provided for on the Kittrell Paycard Cardholer website. You further agree that your use of this Kittrell Paycard Software is subject to the Online Banking terms and conditions that you agreed to at enrollment as well as the additional terms described below. Not all of our Online Banking website services will be available on the Kittrell Paycard Software. For example, you will not be able to make payments to our affiliated companies from deposit account(s) using The Kittrell Paycard Software. In addition, the Kittrell Paycard Software might be inoperative from time to time for a variety of reasons including routine maintenance, system changes, and system failures. When this happens, our Cardholder website and related services might be unavailable. We will not be liable to you for any service interruptions or other unavailability of our Cardholder services. You agree that you will only use the Kittrell Paycard Software on a mobile device owned by you. You agree to keep your mobile device and sign in information secure. If you have lost your mobile device or believe that anyone has gained unauthorized access to your Kittrell Paycard Online Banking account via your mobile device or otherwise, you agree to advise us as provided for in our Online Banking terms and conditions. Kittrell Paycard or its licensors may provide or make available through Kittrell Paycard and/or its agents its Kittrell Paycard Software. Kittrell Paycard and its agents reserve the right to change, suspend, remove, or disable access to Kittrell Paycard Software at any time without notice. In no event will Kittrell Paycard or its agents be liable for the removal of or disabling of access to any such Kittrell Paycard Software. Kittrell Paycard may also impose limits on the use of or access to certain services related to Kittrell Paycard Software, in any case and without notice or liability, YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT USE OF KITTRELL PAYCARD SOFTWARE IS AT YOUR SOLE RISK, AND THAT THE ENTIRE RISK AS TO SATISFACTORY QUALITY, PERFORMANCE, ACCURACY AND EFFORT IS WITH YOU. KITTRELL PAYCARD SOFTWARE IS PROVIDED "AS IS" WITH NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTY OF FITNESS FOR PARTICULAR PURPOSE AND RELATED WARRANTIES AND REPRESENTATIONS. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY Kittrell Paycard WILL CREATE A WARRANTY NOT EXPRESSLY STATED IN THIS AGREEMENT. SHOULD KITTRELL PAYCARD SOFTWARE PROVE DEFECTIVE, YOU ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION.

Screenshots

Spentra4 screens
Kittrell Pay4 screens

Verdict

The call

The clearest difference is review sentiment: Spentra at 79% against Kittrell Pay's 6%. Spentra also leads on rating (4.8 vs 1.4) and monetization model (free vs free with in-app purchases). On price, update cadence, ads and in-app purchases 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.

ReceptionRating · Positive reviews · Number of ratings

Spentra holds the better App Store score, 4.8 against 1.4. That said, the two scores are not equally well evidenced: Spentra has 943 ratings behind it against 46, so its average is the more settled of the two. Written reviews point the same way: 79% of Spentra's written reviews are positive against 6% of Kittrell Pay's.

UpkeepUpdate frequency

Spentra ships an update every 6 weeks, Kittrell Pay every 2 months. The most recent releases landed on October 20, 2026 and October 25, 2026 respectively.

Scorecard4 real differences · 6 level
Spentra versus Kittrell Pay: the parameters behind the verdict, then further details
ParameterSpentraKittrell Pay
PriceFreeFree
Rating4.8 (943 ratings) — better1.4 (46 ratings)
Positive reviews79.2% of reviews — better5.6% of reviews
Number of ratings943 — better46
Update frequencyEvery 6 weeks — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.0 — better15.1
Further details — not scored
Size48 MB34 MB
Age rating17+17+
DeveloperSpentra, LLCKittrell Paycard, LLC

Customer experience

Spentra

All ratings943 ratings
Positive96.3%
Neutral1.5%
Negative2.2%
Written reviews24 reviews
Positive79.2%
Neutral0.0%
Negative20.8%

Kittrell Pay

All ratings44 ratings
Positive6.8%
Neutral2.3%
Negative90.9%
Written reviews18 reviews
Positive5.6%
Neutral0.0%
Negative94.4%

Bugs and requests

Spentra

Reported bugs

2 issues
  • App not updating since July 3rd
  • Card never showed up

Requested features

2 requests
  • Card to account transfer feature
  • Surcharge-free ATM access

Kittrell Pay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Spentra

No in-app purchases

None

Kittrell Pay

No in-app purchases

Questions

Is Spentra free?
Spentra is free to download, with no in-app purchases.
Is Kittrell Pay free?
Kittrell Pay is free to download, with no in-app purchases.
Which has better reviews, Spentra or Kittrell Pay?
Spentra is rated higher. Spentra averages 4.8 out of 5 from 943 ratings, while Kittrell Pay averages 1.4 from 46 ratings.
Do Spentra or Kittrell Pay have ads?
Neither Spentra nor Kittrell Pay shows ads.
Which is updated more often, Spentra or Kittrell Pay?
Spentra ships an update every 6 weeks, and Kittrell Pay every 2 months. Most recently, Spentra was updated on October 20, 2026 and Kittrell Pay on October 25, 2026.

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