Comparison

Guac vs AKKO

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

AKKO

Simplify your tech protection with this app. It offers bundled coverage against accidental damage, theft, and mechanical failure for all your important items. Enjoy unlimited claims and avoid expensive carrier insurance or extended warranties.

Highlights
  • Bundled protection plans
  • Accidental damage coverage
  • Theft protection
  • Mechanical failure coverage
  • Unlimited claims
  • Simplified item addition
Features
Read full description

Coverage, Simplified. The last protection plan you'll ever need. Stop getting ripped off by your carrier's phone insurance. Stop buying the extended warranty. Save time and simplify your life with AKKO. Add your items, take photos, and you’re done! Unlimited claims! Protect your items against accidental damage, theft, and mechanical failure with bundled protection for all your most important stuff. - "Consistently affordable" – Investopedia - "Excellent value" – Gadget Review - Rating of 4.8 out of 5 from Trustpilot users For more info: getAKKO.com

Screenshots

Guac4 screens
AKKO4 screens

Verdict

The call

The clearest difference is rating: Guac at 4.3 against AKKO's 3.8. Guac also leads on ratings volume (2.1K vs 147) and update cadence (every 10 days vs every 3 weeks). AKKO's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, in-app purchases and iOS requirement 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 3.8. That said, the two scores are not equally well evidenced: Guac has 2.1K ratings behind it against 147, so its average is the more settled of the two. Written reviews complicate that: 36% of Guac's written reviews are positive against 52% of AKKO'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, AKKO every 3 weeks. The most recent releases landed on November 6, 2026 and November 7, 2026 respectively.

Scorecard7 real differences · 3 level
Guac versus AKKO: the parameters behind the verdict, then further details
ParameterGuacAKKO
PriceFreeFree
Rating4.3 (2.1K ratings) — better3.8 (147 ratings)
Positive reviews35.9% of reviews52.0% of reviews — better
Number of ratings2.1K — better147
Update frequencyEvery 10 days — betterEvery 3 weeks
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.1 — better16.4
Further details — not scored
Size42 MB92 MB
Age rating4+4+
DeveloperNew World Savings, IncAKKO Inc.

Customer experience

Guac

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

AKKO

All ratings127 ratings
Positive66.1%
Neutral0.8%
Negative33.1%
Written reviews50 reviews
Positive52.0%
Neutral0.0%
Negative48.0%

User reviews

Guac

From 2.1K App Store ratings

What we love

  • 💰 Helps save money effectively
  • 🤑 Offers cash back and rewards
  • 🥑 Unique and fun branding
  • 📈 Helps achieve financial goals

Room to improve

  • 🤖 Poor customer service and support
  • 💸 Unexpected charges and overdraft fees
  • 🔒 Difficulty accessing/withdrawing funds
  • 🔁 Inconsistent and unreliable transfers
  • 🔥 Account deletion/closure issues

AKKO

From 147 App Store ratings

What we love

  • 👍 Great value for money
  • 🚀 Fast and easy claim process
  • 👍 Excellent customer support
  • 👍 Smooth and simple experience
  • 👍 Covers a wide range of electronics

Room to improve

  • 🐛 App is buggy and crashes
  • 🐛 Difficult to add devices
  • 🐛 Unrealistic hoops for claims
  • 🐛 Poor customer service response
  • 🐛 Deceptive data practices

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

AKKO

Reported bugs

13 issues
  • App crashes frequently
  • App is slow and unresponsive
  • Unable to log in
  • Photo verification issues
  • App does not load
Show 8 more
  • Cannot get past loading screen
  • App glitches and bugs
  • Website also has glitches
  • Unable to cancel subscription through app or website
  • App does not allow adding more than one phone
  • App defaults to landscape picture
  • App crashing since last update
  • Issues with uploading photos of items

Requested features

8 requests
  • Implement better quality and testing standards for the app
  • Fix app issues, especially during photo uploading
  • Improve app performance and responsiveness
  • Allow adding more than one phone to the family plan
  • Provide clear instructions on photo verification process
Show 3 more
  • Address app crashing issues on iOS 17.2
  • Offer a dark mode option
  • Provide advanced analytics dashboard

In-app purchases

None

Guac

No in-app purchases

None

AKKO

No in-app purchases

Questions

Is Guac free?
Guac is free to download, with no in-app purchases.
Is AKKO free?
AKKO is free to download, with no in-app purchases.
Which has better reviews, Guac or AKKO?
Guac is rated higher. Guac averages 4.3 out of 5 from 2.1K ratings, while AKKO averages 3.8 from 147 ratings.
Do Guac or AKKO have ads?
Guac shows ads; AKKO does not.
Which is updated more often, Guac or AKKO?
Guac ships an update every 10 days, and AKKO every 3 weeks. Most recently, Guac was updated on November 6, 2026 and AKKO on November 7, 2026.

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