First Savings Mastercard vs GhostLedger
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
First Savings Mastercard
Manage your credit card account conveniently and securely from your mobile device. Access account details, make payments, set up alerts, and update your information anytime, anywhere.
- Secure biometric sign-in
- Customizable account alerts
- 24/7 account access
- View transactions and statements
- Make payments and set up Autopay
- Update account information
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Access your HUE and First Savings Mastercard® Credit Card by First Savings Bank anywhere, anytime. The look and branding are refreshed and exciting – and you can expect the same great tools to help manage your account. SAFE AND SECURE ACCOUNT ACCESS • Biometrics for a secure and easy sign in. STAY IN-THE-KNOW WHEN YOU’RE ON THE GO • Get custom account alerts by enabling push notifications to keep tabs on your account. • Manage your credit card account anywhere, anytime with 24/7 account access. TOOLS TO MANAGE YOUR ACCOUNT • View recent transactions, available credit, and download monthly statements. • View payment due dates and make payments. • Sign up for Autopay and Paperless Statements to stay organized. • Update account information (address and phone number) anytime.
GhostLedger
Effortlessly manage your finances by scanning receipts, detecting hidden charges, and gaining AI-powered insights. Organize transactions, set budgets, and visualize your financial goals with customizable themes. Your financial data remains private and secure on-device.
- Receipt scanning with OCR
- Ghost charge detection
- AI financial insights
- Bank statement import
- Transaction tracking and filtering
- Budget and goal setting
- Customizable themes
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• Scan Receipts – Instantly log expenses with built-in OCR • Ghost Charge Detection – Uncover forgotten subscriptions, fees, and silent recurring charges • AI Financial Insights – Connect OpenAI or Claude to ask smart questions like: “How much did I spend on groceries this month?” • Import Bank Statements – Upload CSV, OFX, or PDF files and review before importing • Track & Organize – View and filter transactions by account, category, or type • Budgets & Goals – Set monthly budgets and visualize progress • iOS 26 Liquid Glass Support – Experience next-gen theming with stunning new UI styles • Custom Themes – Choose from spiritual, dark, neon, or light styles • Private by Design – No ads. No tracking. Your data stays securely on-device or in iCloud Privacy Policy: https://www.freeprivacypolicy.com/live/d37c7e8e-2592-4068-8708-daec6bbdc508 Apple Privacy Policy: https://www.apple.com/legal/privacy/en-ww/
Screenshots
Verdict
The clearest difference is price: First Savings Mastercard at Free against GhostLedger's $9.99. First Savings Mastercard also leads on ratings volume (4.7K vs 1) and iOS requirement (15.0 vs 18.0). GhostLedger's advantage is review sentiment (100% vs 74%) and update cadence (every 4 weeks vs every 5 months). On 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
First Savings Mastercard is free to download; GhostLedger costs $9.99 up front. Neither carries in-app purchases, so what you see is what you pay.
GhostLedger holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: First Savings Mastercard has 4.7K ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 74% of First Savings Mastercard's written reviews are positive against 100% of GhostLedger's.
First Savings Mastercard ships an update every 5 months, GhostLedger every 4 weeks. The most recent releases landed on October 19, 2026 and October 12, 2026 respectively.
| Parameter | First Savings Mastercard | GhostLedger |
|---|---|---|
| Price | Free — better | $9.99 |
| Rating | 4.7 (4.7K ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 74.4% of reviews | 100.0% of reviews — better |
| Number of ratings | 4.7K — better | 1 |
| Update frequency | Every 5 months | Every 4 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Paid |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 15.0 — better | 18.0 |
| Further details — not scored | ||
| Size | 52 MB | 11 MB |
| Age rating | 4+ | 4+ |
| Developer | First Savings Bank (SD) | Matthew Elliott |
Customer experience
First Savings Mastercard
GhostLedger
Bugs and requests
First Savings Mastercard
Reported bugs
4 issues- App crashes and freezes
- Login and registration issues
- Inaccurate account balances
- Unreliable payment processing
Requested features
4 requests- Allow scheduling future payments
- Add debit card payment option
- Improve payment confirmation process
- Enhance account management features
GhostLedger
Not enough reviews yet to summarise bugs or requests.
In-app purchases
First Savings Mastercard
No in-app purchases
GhostLedger
No in-app purchases
Questions
Is First Savings Mastercard free?
Is GhostLedger free?
Which has better reviews, First Savings Mastercard or GhostLedger?
Do First Savings Mastercard or GhostLedger have ads?
Which is updated more often, First Savings Mastercard or GhostLedger?
Other comparisons
