Spentra vs Blxckpay US
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.
Blxckpay US
Manage your money securely and conveniently with this financial tool. It offers global card acceptance, easy transaction review, and flexible fund loading. Enjoy financial freedom with no credit check, minimum balance, or hidden fees.
- Global debit card acceptance
- Check balances and review transactions
- Effortless fund transfers
- Quick fund loading
- No credit check or minimum balance
- 24/7 card management
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Explore Blxck by epay®: Your Secure Money Management Solution Take control of your finances today with Blxck. It's your simple, secure, and convenient way to manage money: Global Acceptance: Use your Blxck by epay® card wherever debit cards are accepted worldwide. Easy Access: Check balances, review transactions, and transfer funds effortlessly. Flexible Loading: Add funds quickly within minutes. No Credit Check, No Minimum Balance, No Hidden Fees: Enjoy financial freedom with straightforward terms. Manage Anytime, Anywhere: Utilize the Blxck app to manage your card efficiently, 24/7. Start managing your money the way you want with Blxck. Register and activate your account today to begin using your card for purchases, bill payments, and ATM withdrawals.
Screenshots
Verdict
The clearest difference is ratings volume: Spentra at 943 against Blxckpay US's 6. Blxckpay US's advantage is review sentiment (100% vs 79%). On price, rating, update cadence and ads 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.
Blxckpay US holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Spentra has 943 ratings behind it against 6, 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 100% of Blxckpay US's.
Spentra ships an update every 6 weeks, Blxckpay US every 2 months. The most recent releases landed on October 26, 2026 and October 13, 2026 respectively.
| Parameter | Spentra | Blxckpay US |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (943 ratings) | 5.0 (6 ratings) — better |
| Positive reviews | 79.2% of reviews | 100.0% of reviews — better |
| Number of ratings | 943 — better | 6 |
| Update frequency | Every 6 weeks — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 15.0 — better | 16.1 |
| Further details — not scored | ||
| Size | 48 MB | 103 MB |
| Age rating | 17+ | 17+ |
| Developer | Spentra, LLC | Whtelabs |
Customer experience
Spentra
Blxckpay US
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
Blxckpay US
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Spentra
No in-app purchases
Blxckpay US
No in-app purchases
