Comparison

Guac vs Billshark app

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

Head to head
About

Guac

This app automatically saves money by linking to your bank account and setting personalized savings goals. It offers ways to accelerate savings through a marketplace and side hustles, allowing seamless fund transfers when goals are met.

Highlights
  • Sync bank account for automatic saving
  • Create personalized savings goals
  • Set custom savings rules
  • Earn cash back in marketplace
  • Explore side hustle opportunities
  • Seamless fund transfers
Features
Read full description

Saving Money with Guac in 4 Easy Steps 1. Sync Guac with Your Bank Securely connect your bank checking account to synchronize your transactions. Guac makes saving simple and automatic — all within a secure environment you can trust. 2. Create Your Savings Goals and Rules Set up personalized Savings Goals and Savings Rules to save for what matters — whether it’s a trip, a car, groceries, or a future plan. Once set, Guac helps you save automatically through smart tipping and spending habits. 3. Accelerate Your Savings Reach your goals faster by shopping in the Guac Marketplace to earn cash back or by exploring side hustles offered in the app. When you achieve your goal, you can easily use your saved funds for a purchase or transfer them to your connected checking account or card. 4. Move Money Seamlessly Transfer funds easily between your Savings Goals and your checking account anytime — with just a few taps. Important Information: Guac is a financial technology company, not a bank. Guac is not FDIC-insured. Funds may be held for your benefit by First Federal Bank of Kansas City (FFBKC), Member FDIC. Funds in custodial accounts may be eligible for FDIC insurance coverage on a pass-through basis, subject to regulatory requirements such as proper recordkeeping and ownership identification. FDIC insurance only protects against the failure of an FDIC-insured bank; it does not protect against losses due to fraud, theft, market events, or Guac’s operations. FDIC coverage is subject to standard limits — currently up to $250,000 per depositor, per insured bank, per account ownership category. Your total coverage depends on your relationship with the bank and any other accounts you maintain directly with the same institution. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Billshark app

Effortlessly reduce your monthly bills, cancel unwanted subscriptions, and find the best insurance rates. This service negotiates on your behalf, saving you time and money with a savings guarantee. Your data is protected with bank-level security.

Highlights
  • Lower monthly bills
  • Cancel unwanted subscriptions
  • Compare insurance rates
  • Negotiate bill rates
  • Automatic rate renewal
  • Bank-level security
Read full description

Mark Cuban backed. Billshark is the easiest way to lower your bills, cancel unwanted subscriptions, and lock in the best rates for insurance. We’ve saved millions of dollars for our customers. LOWER YOUR BILLS: Billshark can lower your monthly bills by 25% in 2 minutes! Works on Wireless, Internet, TV, Satellite Radio, Home Security bills and more. 8 out of 10 people overpay for Internet and Wireless bills. Are you at the best rate? We save you time and hassle, and we usually save you more than you could save on your own. So, what are you waiting for? It’s risk-free to try. Billshark experts will negotiate your bill to the lowest possible rate, keeping, while you in the loop Concierge service & SMS updates Automatic renewal rates. Billshark keeps track of when your new savings expires and will automatically restart negotiations, so you’re always at the best rate! CANCEL UNWANTED SUBSCRIPTIONS: ● Easily cancel unwanted subscriptions without the hassle when you hire Billshark to do it for you. We may even get refunds for unused services. COMPARE INSURANCE RATES FOR FREE: ● Home and Auto rates fluctuate all the time — even if you haven't changed coverage or made claims. Try our FREE comparison service to be sure you aren't overpaying. Easy shopping without long forms to complete. BANK LEVEL SECURITY ● Your data is secure. Customer data is protected by 256-bit encryption keeping your personal information at bank level security. We will never sell your data. All systems are fully encrypted and protected by industry-leading technology that keeps your data safe. SAVINGS GUARANTEE ● We guarantee savings, our our service has no fees --------------------------------- Current pricing for Billshark services Lower your Bills: Billshark charges a one-time fee of 40% of savings for negotiations. Payment plans of 6 months are available. If we can’t save you money, you don’t pay a fee. Cancel Subscriptions: $9 per successful cancellation. Check Insurance Rates: Free

Screenshots

Guac4 screens
Billshark app4 screens

Verdict

The call

The clearest difference is review sentiment: Billshark app at 84% against Guac's 36%. Guac's advantage is update cadence (every 10 days vs every 2 months) and ratings volume (2.1K vs 72). On price, ads, in-app purchases and monetization model 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.

ReceptionRating · Positive reviews · Number of ratings

Guac holds the better App Store score, 4.3 against 4.1. That said, the two scores are not equally well evidenced: Guac has 2.1K ratings behind it against 72, so its average is the more settled of the two. Written reviews complicate that: 36% of Guac's written reviews are positive against 84% of Billshark app's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Guac ships an update every 10 days, Billshark app every 2 months. The most recent releases landed on November 3, 2026 and October 29, 2026 respectively.

Scorecard4 real differences · 6 level
Guac versus Billshark app: the parameters behind the verdict, then further details
ParameterGuacBillshark app
PriceFreeFree
Rating4.3 (2.1K ratings) — better4.1 (72 ratings)
Positive reviews35.9% of reviews83.6% of reviews — better
Number of ratings2.1K — better72
Update frequencyEvery 10 days — betterEvery 2 months
AdsYesYes
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.114.0 — better
Further details — not scored
Size42 MB85 MB
Age rating4+4+
DeveloperNew World Savings, IncThe Bill Reduction Company

Customer experience

Guac

All ratings2,105 ratings
Positive83.8%
Neutral2.1%
Negative14.1%
Written reviews156 reviews
Positive35.9%
Neutral5.1%
Negative59.0%

Billshark app

All ratings74 ratings
Positive77.0%
Neutral2.7%
Negative20.3%
Written reviews67 reviews
Positive83.6%
Neutral0.0%
Negative16.4%

Bugs and requests

Guac

Reported bugs

3 issues
  • App freezes and crashes
  • Syncing issues with linked bank accounts
  • Incorrect account balance displays

Requested features

4 requests
  • Ability to directly deposit funds
  • Improved transaction history and reporting
  • Faster processing and transfer times
  • More transparent fee structure

Billshark app

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Guac

No in-app purchases

None

Billshark app

No in-app purchases

Questions

Is Guac free?
Guac is free to download, with no in-app purchases.
Is Billshark app free?
Billshark app is free to download, with no in-app purchases.
Which has better reviews, Guac or Billshark app?
Guac is rated higher. Guac averages 4.3 out of 5 from 2.1K ratings, while Billshark app averages 4.1 from 72 ratings.
Do Guac or Billshark app have ads?
Both Guac and Billshark app show ads.
Which is updated more often, Guac or Billshark app?
Guac ships an update every 10 days, and Billshark app every 2 months. Most recently, Guac was updated on November 3, 2026 and Billshark app on October 29, 2026.

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