# hotline.finance | Страховка vs Skarbo

The clearest difference is in-app purchases: hotline.finance | Страховка at none against Skarbo's 3. hotline.finance | Страховка also leads on ads (none vs shown) and ratings volume (33 vs 8). Skarbo's advantage is review sentiment (67% vs 42%) and update cadence (every 3 days vs weekly). On price, rating and device support there is nothing between them.

Both are free to download. Skarbo sells 3 in-app purchases, starting at $9.99 per month. hotline.finance | Страховка asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 4.9 for hotline.finance | Страховка against 5.0 for Skarbo. Both are backed by a comparable volume of ratings — 33 and 8 respectively. Written reviews are what separate them: 42% of hotline.finance | Страховка's written reviews are positive against 67% of Skarbo's.

hotline.finance | Страховка ships an update weekly, Skarbo every 3 days. The most recent releases landed on November 3, 2026 and November 10, 2026 respectively.

## The numbers

| Metric | hotline.finance | Страховка | Skarbo |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.9 (33 ratings)](https://appshunter.io/ios/app/hotlinefinance/id1467496674/reviews) | **[5.0 (8 ratings)](https://appshunter.io/ios/app/skarbo-budget-expense-tracker/id6795880230/reviews)** |
| Number of ratings | **33** | 8 |
| Positive reviews | 41.7% of reviews | **66.7% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | Weekly | **Every 3 days** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 93 MB | 44 MB |
| Requires iOS | **15.1** | 17.6 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Hotline.Finance](https://appshunter.io/developer/1467496673) | [Ihor Roma](https://appshunter.io/developer/6795880233) |

## What reviewers say

### hotline.finance | Страховка

[App page](https://appshunter.io/ios/app/hotlinefinance/id1467496674)

Easily compare and purchase various insurance policies from top Ukrainian companies. Manage traffic fines, store digital insurance documents, and access essential automotive services. Avoid queues and paperwork with this convenient mobile solution.

**Highlights:** Compare and buy 11 types of insurance, Pay traffic fines with minimal commission, Store digital insurance policies, Access Mtsbu state services, Get discounts and promo codes, Pay insurance in installments

**Features:** Vision Pro support

**In-app purchases:** none


### Skarbo

[App page](https://appshunter.io/ios/app/skarbo-budget-expense-tracker/id6795880230)

Effortlessly track your expenses with AI-powered receipt scanning and bank statement imports. Understand your spending habits, manage budgets, and get smart reminders to avoid overspending.

**Highlights:** AI receipt scanning, Bank statement import, Automatic categorization, Monthly budgeting, Recurring bill detection, Natural language queries, Multi-currency support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Monthly | $9.99 | per month |
| Premium Annual · Early Bird | $29.99 | per year |
| Premium Annual | $49.99 | per year |


## Frequently asked questions

### Is hotline.finance | Страховка free?

hotline.finance | Страховка is free to download, with no in-app purchases.

### Is Skarbo free?

Skarbo is free to download, with in-app purchases available.

### Which has better reviews, hotline.finance | Страховка or Skarbo?

Skarbo is rated higher. hotline.finance | Страховка averages 4.9 out of 5 from 33 ratings, while Skarbo averages 5.0 from 8 ratings.

### Do hotline.finance | Страховка or Skarbo have ads?

Skarbo shows ads; hotline.finance | Страховка does not.

### Which is updated more often, hotline.finance | Страховка or Skarbo?

hotline.finance | Страховка ships an update weekly, and Skarbo every 3 days. Most recently, hotline.finance | Страховка was updated on November 3, 2026 and Skarbo on November 10, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*