# Spentra vs myFlexWallet

The clearest difference is monetization model: Spentra at free against myFlexWallet's free with in-app purchases. Spentra also leads on ratings volume (943 vs 74). myFlexWallet's advantage is update cadence (fortnightly vs every 6 weeks) and review sentiment (87% vs 79%). On price, rating, ads and in-app purchases there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.8 for Spentra against 4.7 for myFlexWallet. That said, the two scores are not equally well evidenced: Spentra has 943 ratings behind it against 74, so its average is the more settled of the two. Written reviews are what separate them: 79% of Spentra's written reviews are positive against 87% of myFlexWallet's.

Spentra ships an update every 6 weeks, myFlexWallet fortnightly. The most recent releases landed on October 16, 2026 and October 17, 2026 respectively.

## The numbers

| Metric | Spentra | myFlexWallet |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (943 ratings)](https://appshunter.io/ios/app/spentra/id1449725820/reviews)** | [4.7 (74 ratings)](https://appshunter.io/ios/app/myflexwallet/id6463643352/reviews) |
| Number of ratings | **943** | 74 |
| Positive reviews | 79.2% of reviews | **87.2% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Fortnightly** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 48 MB | 23 MB |
| Requires iOS | 15.0 | **12.4** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [Spentra, LLC](https://appshunter.io/developer/1440521985) | [OneSource Virtual, Inc.](https://appshunter.io/developer/1658010482) |

## 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


### myFlexWallet

[App page](https://appshunter.io/ios/app/myflexwallet/id6463643352)

Manage your finances with ultimate flexibility. View pay slips, track time, and transfer earned wages to your payroll card or bank account instantly or next day. Securely access your financial information with advanced authentication.

**Highlights:** View pay slip details, Track time worked, Flexible wage access, Instant wage transfers, Secure authentication

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use interface
- 💰 Access to wages before payday
- 📊 Clear paycheck breakdown
- 🏦 HSA balance visibility
- 💼 All financial info in one place

**What reviewers complain about**

- ⚠️ Potential for addiction/unhealthy use
- 🐛 Login issues (invalid credentials)
- 🐛 App crashes on sign up
- 🐛 Double face scan sometimes
- 🐛 Misinformation regarding borrowed money repayment

**Reported bugs**

- Cannot login due to invalid credentials
- App crashes every time on sign up
- App crashes on sign up
- Double face scan when opening the app sometimes
- Misinformation about repayment of borrowed money leading to incorrect deductions

**Requested features**

- Ability to manage Workday pay elections directly through the app


## Frequently asked questions

### Is Spentra free?

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

### Is myFlexWallet free?

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

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

Spentra is rated higher. Spentra averages 4.8 out of 5 from 943 ratings, while myFlexWallet averages 4.7 from 74 ratings.

### Do Spentra or myFlexWallet have ads?

Neither Spentra nor myFlexWallet shows ads.

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

Spentra ships an update every 6 weeks, and myFlexWallet fortnightly. Most recently, Spentra was updated on October 16, 2026 and myFlexWallet on October 17, 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.*