# Spentra vs Stream

Spentra and Stream both sit at 4.8 stars, but that hides the real split: 79% of Spentra's written reviews are positive against 21% of Stream's. Stream's advantage is update cadence (weekly vs every 6 weeks). On price, rating, ratings volume and ads there is nothing between them.

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 4.7. Both are backed by a comparable volume of ratings — 943 and 760 respectively. Written reviews point the same way: 79% of Spentra's written reviews are positive against 21% of Stream's.

Spentra ships an update every 6 weeks, Stream weekly. The most recent releases landed on November 6, 2026 and November 7, 2026 respectively.

## The numbers

| Metric | Spentra | Stream |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (943 ratings)](https://appshunter.io/ios/app/spentra/id1449725820/reviews)** | [4.7 (760 ratings)](https://appshunter.io/ios/app/stream-workplace-finance/id1551009637/reviews) |
| Number of ratings | **943** | 760 |
| Positive reviews | **79.2% of reviews** | 21.1% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Weekly** |
| Monetization | Free | Free |
| Size | 48 MB | 54 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [Spentra, LLC](https://appshunter.io/developer/1440521985) | [Stream Platforms, Inc.](https://appshunter.io/developer/1532222758) |

## What reviewers say

### Spentra

[App page](https://appshunter.io/ios/app/spentra/id1449725820)

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:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy and convenient
- 💡 Helpful for emergencies and unexpected expenses
- 👍 Secure transactions
- 👍 Ability to access earned wages instantly

**What reviewers complain about**

- 🐛 App not updating
- 🔒 Security issues, money taken from account
- 💰 Fees for withdrawals and card changes

**Reported bugs**

- App not updating since July 3rd
- Card never showed up

**Requested features**

- Card to account transfer feature
- Surcharge-free ATM access


### Stream

[App page](https://appshunter.io/ios/app/stream-workplace-finance/id1551009637)

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.

**Highlights:** Choose when you get paid, Check shifts and earnings, Save with high interest, Track spending across accounts, Exclusive brand discounts, AI money coach support

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🤙🏼 Lifesaver for bridging paychecks
- 👍🏼 Well worth it
- 💡 Savings feature is great
- 😊 Relieved to access pay early

**What reviewers complain about**

- 😞 No customer service
- 😠 Hidden fees for withdrawals
- 💸 Paychecks not processed on time
- 🚫 App is a mess
- 📉 Fees increase over time

**Reported bugs**

- 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

**Requested features**

- Option to delete account
- Better customer service response time
- Notification for new messages
- Fix app loading issues
- Allow access to paychecks when payday changes


## Frequently asked questions

### Is Spentra free?

Spentra is free to download, with no in-app purchases.

### Is Stream free?

Stream is free to download, with no in-app purchases.

### Which has better reviews, Spentra or Stream?

Spentra is rated higher. Spentra averages 4.8 out of 5 from 943 ratings, while Stream averages 4.7 from 760 ratings.

### Do Spentra or Stream have ads?

Neither Spentra nor Stream shows ads.

### Which is updated more often, Spentra or Stream?

Spentra ships an update every 6 weeks, and Stream weekly. Most recently, Spentra was updated on November 6, 2026 and Stream on November 7, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*