Comparison

InFlow vs Crust Personal

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

Head to head
About

InFlow

Features
Read full description

InFlow is the online invoice processing application available to all clients of ARPI Accounting. Now you can conveniently approve documents for accounting, from any device and from anywhere. 1. Send us your accounting documents - by post, e-mail or personally 2. We'll scan the documents and upload them into InFlow 3. You will receive a notification when any new documents will require your approval 4. Browse your documents and approve them for accounting

About

Crust Personal

Manage your personal finances with this all-in-one banking app. It offers instant bill payments with cashback rewards, effortless savings tools, and fast money transfers. Securely save, spend, and grow your money with a dedicated savings account and automated saving options.

Highlights
  • Instant bill payments with cashback
  • Fast money transfers
  • Dedicated savings account number
  • Automated savings options
  • Lock savings for higher interest
  • Save as you spend/earn
Features
Read full description

Welcome to Crust Personal Banking App! Open a Crust account today and join customers who rely on Crust for seamless personal banking, instant bill payments with cashback rewards, and effortless savings—all in one app. Crust is your smart, all-in-one financial companion designed to help you save, spend, and manage your money with ease. With Crust, you can pay bills, transfer money, lock in your savings for higher interest, and automatically build your emergency fund—all from one app. Simplify your finances with a dedicated savings account number, fast transfers, and automatic savings options. Download the Crust app today and start saving, earning, and growing your money effortlessly! Crust is licensed by the Central Bank of Nigeria. Why Should You Choose Crust Personal? - Fast Transfers: Need to send money in a flash? You got it! Our lightning-fast transfers ensure your money gets where it needs to be, instantly. Say goodbye to delays! 
 - Pay Bills and Earn Cashback: What’s better than paying bills? Getting rewarded for it! Pay your electricity, cable, data, and airtime bills right from your app and enjoy instant cashback. Every. Single. Time. - Dedicated Savings Account Number: You don’t just get a savings account—you get your very own unique savings account number! Give your finances a personal touch and manage them with ease. No more guesswork, just smooth sailing! - Receive Money Directly Into Your Savings: Want to boost your savings without lifting a finger? Let people send money directly into your savings account, whether it's a gift or a payment! Watch your balance grow, effortlessly. - Build Discipline & Lock Your Savings: Feel tempted to dip into your savings? We’ve got you covered. With our dedicated savings account, you can keep your money locked away and earn higher interest. Perfect for those big life goals! - Save As You Spend: What if spending could be a savings strategy? With Save As You Spend, every transaction automatically helps you tuck a little extra away. It’s like a savings assistant, working in the background as you go about your day! - Save As You Earn: Salary day just got better! Automatically set aside a portion of your earnings the moment they hit your account. No more “I’ll do it later”—your savings grow automatically, giving you peace of mind. - Emergency Savings? We've Got You: Life happens! That’s why we’ve made it easy to build up emergency savings automatically as you go. Whether it’s small, frequent deposits or big chunks, your safety net is just a few taps away. Why You’ll Love Us - Simple & Secure: Designed for the Nigerian market, our app offers the easiest and most secure way to manage your money. No hidden fees, no unnecessary charges—just straight-up smart banking. - Earn More as You Save: Who doesn’t love more money? With us, your savings don’t just sit there. They work for you, growing steadily with competitive interest rates so your money keeps making money. - Personalize Your Banking: Your money, your rules! Set custom goals for your savings, unlock special features to help you stay disciplined, and control how and when you save. - Cashbacks Every Time You Pay: Make your bills work for you! Get cash back on every payment—electricity, cable, airtime, or data—and make saving a breeze while taking care of essentials. Download Now and Get Started! Your journey to smarter banking, effortless savings, and financial freedom begins here. Join thousands of users who are making their money work for them. Save as you earn, spend, and grow—all from one app
 Download Crust Personal and start banking the smart way!

Screenshots

InFlow2 screens
Crust Personal4 screens

Verdict

The call

The clearest difference is update cadence: Crust Personal at monthly against InFlow's every 17 months. InFlow's advantage is iOS requirement (11.0 vs 15.6). On price, ads, in-app purchases and device support 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.

UpkeepUpdate frequency

InFlow ships an update every 17 months, Crust Personal monthly. The most recent releases landed on October 10, 2026 and October 18, 2026 respectively.

Scorecard2 real differences · 8 level
InFlow versus Crust Personal: the parameters behind the verdict, then further details
ParameterInFlowCrust Personal
PriceFreeFree
Rating—4.2 (5 ratings) — better
Positive reviews—0.0% of reviews
Number of ratings—5 — better
Update frequencyEvery 17 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS11.0 — better15.6
Further details — not scored
Size8 MB42 MB
Age rating4+4+
DeveloperARPI & Partners Sp. z o.o.Tmoni Technologies

In-app purchases

None

InFlow

No in-app purchases

None

Crust Personal

No in-app purchases

Questions

Is InFlow free?
InFlow is free to download, with no in-app purchases.
Is Crust Personal free?
Crust Personal is free to download, with no in-app purchases.
Do InFlow or Crust Personal have ads?
Neither InFlow nor Crust Personal shows ads.
Which is updated more often, InFlow or Crust Personal?
InFlow ships an update every 17 months, and Crust Personal monthly. Most recently, InFlow was updated on October 10, 2026 and Crust Personal on October 18, 2026.

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