Comparison

SPARDA ID vs Paylino

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

Head to head
About

SPARDA ID

Features
Read full description

Die SPARDA ID-App ist das zentrale Freigabeverfahren für Login und Zeichnung gemäß PSD2 (verpflichtend ab 14.09.2019). Mit der SPARDA ID können Sie sich im Internetbanking anmelden (Login) und Ihre Aufträge freigeben (zeichnen). In dieser App werden keine generellen Umsatz- bzw. Finanzdaten (wie in der Banking-App) angezeigt, sondern nur die zur Freigabe notwendigen Daten der jeweiligen Freigabeanforderung. Diese dienen zur Kontrolle, damit der Auftrag auf seine Richtigkeit hin überprüft werden kann. Laden Sie die SPARDA ID-App aus dem Store und aktivieren Sie das neue Login- und Zeichnungsverfahren durch eine TAN-Eingabe. Sobald eine neue Anforderung in der App bereitsteht, erhalten Sie eine Push-Mitteilung. In der App sehen Sie Ihre Freigabe- bzw. Logindaten nochmals zur Kontrolle und durch Anklicken der im Banking angezeigten Kontrollzahl geben Sie Überweisungen und Aufträge einfach und sicher frei. Die SPARDA ID-App unterstützt die „Komfort-Anmeldung“ mittels Quick-ID (4-stelliger Nummerncode), sowie Touch-ID (Fingerprint) und Face-ID (Gesichtserkennung). Vorteile der SPARDA ID: • Kostenlos verfügbar in den App-Stores – keine Nutzungsgebühr • Komfortable Anmeldung mit Quick-ID sowie auch Touch- bzw. Face-ID • Besonders sichere Technologie durch Zwei-Faktor-Authentifizierung (PSD2) • Aktivierung kann direkt in der App vorgenommen werden – kein Wechsel ins Banking notwendig • Alle Daten des zu zeichnenden Auftrages bzw der Loginfreigabe werden nochmals in der SPARDA ID-App zur Prüfung dargestellt und werden durch Anklicken der richtigen Kontrollzahl freigegeben Mehr Informationen unter www.sparda.at/sparda-id

About

Paylino

Effortlessly split group expenses with this receipt scanner. It automatically detects line items, taxes, and totals from photos, allowing for fair distribution down to the cent. Save and access all your scanned receipts with iCloud sync.

Highlights
  • Automatic receipt scanning and item detection
  • Fair group expense splitting
  • Smart tip calculation
  • iCloud receipt syncing
  • VoiceOver accessibility
Read full description

Split bills in seconds — fast, easy, accurate. Paylino is the iOS receipt scanner built for sharing. Snap a restaurant check, a shared grocery receipt, or any group expense. Paylino instantly detects line items, taxes, and totals, then lets you split everything fairly — down to the cent. Start in a tap: Snap the receipt → auto-detect → assign items → choose tip → done. How it works 1. Snap or choose a receipt Take a photo right in the app. Smart edge detection helps you line it up perfectly. Or import a photo from your library. 2. Capture everything automatically Our specialized AI recognizes the merchant, currency, items, and taxes/extra fees. Everything is clearly organized and fully editable. 3. Split fairly with friends Add names, tap who had what, and (optionally) select a tip percentage. Paylino calculates the total and each person’s share automatically. 4. Keep every receipt Your scanned receipts are saved in the app and synced with iCloud, so you can pull them up anytime. Features • Lightning-fast, reliable receipt recognition • Flexible: scan or import, with automatic currency detection • Easy item assignment and fair group splitting • Smart tip calculation built in • Built for accessibility, fully usable with VoiceOver • Native iPhone app A subscription is required to scan receipts. Choose the plan that's best for you and start splitting the fair way. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

SPARDA ID4 screens
Paylino4 screens

Verdict

The call

The clearest difference is in-app purchases: SPARDA ID at none against Paylino's 9. SPARDA ID also leads on device support (3 vs 1) and iOS requirement (14.0 vs 18.2). Paylino's advantage is update cadence (weekly vs every 5 months). On price 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Paylino sells 9 in-app purchases, starting at $0.99 per month. SPARDA ID asks for nothing beyond the download.

UpkeepUpdate frequency

SPARDA ID ships an update every 5 months, Paylino weekly. Both last shipped on October 25, 2026.

Scorecard4 real differences · 4 level
SPARDA ID versus Paylino: the parameters behind the verdict, then further details
ParameterSPARDA IDPaylino
PriceFreeFree
Positive reviews—100.0% of reviews
Update frequencyEvery 5 monthsWeekly — better
AdsNoNo
In-app purchasesNo — betterYes
Monetization—Subscription
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS14.0 — better18.2
Further details — not scored
Size5 MB22 MB
Age rating12+4+
DeveloperVOLKSBANK WIEN AGSubsspot GmbH

In-app purchases

None

SPARDA ID

No in-app purchases

9 purchases

Paylino

Subscriptions8
  • Starter Monthly$0.991 Month
  • Basic Monthly$1.991 Month
  • Standard Monthly$2.991 Month
Show 5 more
  • Pro Monthly$4.991 Month
  • Starter Yearly$9.901 Year
  • Basic Yearly$19.901 Year
  • Standard Yearly$29.001 Year
  • Pro Yearly$59.901 Year
One-time1
  • 5 Credits$0.99

Questions

Is SPARDA ID free?
SPARDA ID is free to download, with no in-app purchases.
Is Paylino free?
Paylino is free to download, with in-app purchases available.
Do SPARDA ID or Paylino have ads?
Neither SPARDA ID nor Paylino shows ads.
Which is updated more often, SPARDA ID or Paylino?
SPARDA ID ships an update every 5 months, and Paylino weekly. Most recently, SPARDA ID was updated on October 25, 2026 and Paylino on October 25, 2026.

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