Spentra vs Stream
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Early access to earned wages
- Manage payroll card
- Instant transaction alerts
- Block/unblock card
- Surcharge-free ATM finder
- No card or maintenance fees
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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.
Stream
Manage your finances with this app that allows you to access earnings early, track spending, save with high interest, and access exclusive discounts. It also offers tools for tax optimization and personalized AI coaching.
- Choose when you get paid
- Check shifts and earnings
- Save with high interest
- Track spending across accounts
- Exclusive brand discounts
- AI money coach support
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Stream is an easy-to-use financial benefits app that helps you to save, budget, borrow and get paid when you choose. If your employer has partnered with Stream, you can download the app and activate your free membership in minutes, allowing you to: - Choose when you get paid - Check your shifts and earnings in real time - Save into an easy-access account with a market-leading interest rate - Track all your spending across bank accounts in one place - Get exclusive discounts from 100s of your favourite brands - Calculate and optimize your W4 contributions - Check what government benefits you are entitled to - Get personalised support from an AI money coach
Screenshots
Verdict
The clearest difference is review sentiment: Spentra at 79% against Stream's 19%. Spentra also leads on rating (4.8 vs 4.6). Stream's advantage is update cadence (weekly vs every 6 weeks). On price, ratings volume, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Spentra holds the better App Store score, 4.8 against 4.6. Both are backed by a comparable volume of ratings — 943 and 640 respectively. Written reviews point the same way: 79% of Spentra's written reviews are positive against 19% of Stream's.
Spentra ships an update every 6 weeks, Stream weekly. The most recent releases landed on September 23, 2026 and September 20, 2026 respectively.
| Parameter | Spentra | Stream |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (943 ratings) — better | 4.6 (640 ratings) |
| Positive reviews | 79.2% of reviews — better | 19.4% of reviews |
| Number of ratings | 943 — better | 640 |
| Update frequency | Every 6 weeks | Weekly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 | 15.0 |
| Further details — not scored | ||
| Size | 48 MB | 55 MB |
| Age rating | 17+ | 4+ |
| Developer | Spentra, LLC | Stream Platforms, Inc. |
Customer experience
Spentra
Stream
User reviews
Spentra
From 943 App Store ratingsWhat we love
- 🚀 Easy and convenient
- 💡 Helpful for emergencies and unexpected expenses
- 👍 Secure transactions
- 👍 Ability to access earned wages instantly
Room to improve
- 🐛 App not updating
- 🔒 Security issues, money taken from account
- 💰 Fees for withdrawals and card changes
Stream
From 640 App Store ratingsWhat we love
- 🤙🏼 Lifesaver for bridging paychecks
- 👍🏼 Well worth it
- 💡 Savings feature is great
- 😊 Relieved to access pay early
Room to improve
- 😞 No customer service
- 😠 Hidden fees for withdrawals
- 💸 Paychecks not processed on time
- 🚫 App is a mess
- 📉 Fees increase over time
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
Stream
Reported bugs
21 issues- Account reactivated after deactivation
- App not loading, stuck in loading screen
- App support page not opening
- App freezes on white screen
- Cannot add card for transfer
Show 16 moreShow fewer
- App will not open
- Cannot log in with email
- Cannot reset password
- App won't let me sign in
- Cannot enroll in the program
- App won't allow login with sign-up email
- App won't let me sign up
- App won't let me login using my email address
- App won't let me reset my password
- App won't let me sign in
- App won't let me login
- App won't let me enroll
- App won't let me sign up
- Missing paycheck with no explanation
- App is glitchy sometimes
- Cannot see messages due to new version update
Requested features
7 requests- Option to delete account
- Better customer service response time
- Notification for new messages
- Fix app loading issues
- Allow access to paychecks when payday changes
Show 2 moreShow fewer
- Provide clear explanation for withheld money
- Allow users to speak to a human instead of AI
In-app purchases
Spentra
No in-app purchases
Stream
No in-app purchases
