# First Savings Mastercard vs GhostLedger

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.

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.

## The numbers

| Metric | First Savings Mastercard | GhostLedger |
| --- | --- | --- |
| Price | **Free** | $9.99 |
| Rating | [4.7 (4.7K ratings)](https://appshunter.io/ios/app/first-savings-mastercard/id1477061316/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/ghostledger/id6747046603/reviews)** |
| Number of ratings | **4.7K** | 1 |
| Positive reviews | 74.4% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Every 4 weeks** |
| Monetization | **Free** | Paid |
| Size | 52 MB | 11 MB |
| Requires iOS | **15.0** | 18.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [First Savings Bank (SD)](https://appshunter.io/developer/1477061074) | [Matthew Elliott](https://appshunter.io/developer/1815549651) |

## What reviewers say

### First Savings Mastercard

[App page](https://appshunter.io/ios/app/first-savings-mastercard/id1477061316)

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.

**Highlights:** Secure biometric sign-in, Customizable account alerts, 24/7 account access, View transactions and statements, Make payments and set up Autopay, Update account information

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 🚀 Speedy and safe
- 👍 User-friendly app
- 🔒 Secure and easy to use
- 💡 Convenient payment options
- 👍 Simple and easy to navigate

**What reviewers complain about**

- 🐛 Auto-logout issues
- 🐛 Unreliable app performance
- 🔒 Forced 2FA concerns
- 💰 High fees and poor customer service
- 🐛 Inconsistent account information

**Reported bugs**

- App crashes and freezes
- Login and registration issues
- Inaccurate account balances
- Unreliable payment processing

**Requested features**

- Allow scheduling future payments
- Add debit card payment option
- Improve payment confirmation process
- Enhance account management features


### GhostLedger

[App page](https://appshunter.io/ios/app/ghostledger/id6747046603)

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.

**Highlights:** Receipt scanning with OCR, Ghost charge detection, AI financial insights, Bank statement import, Transaction tracking and filtering, Budget and goal setting, Customizable themes

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is First Savings Mastercard free?

First Savings Mastercard is free to download, with no in-app purchases.

### Is GhostLedger free?

GhostLedger costs $9.99, with no in-app purchases.

### Which has better reviews, First Savings Mastercard or GhostLedger?

GhostLedger is rated higher. First Savings Mastercard averages 4.7 out of 5 from 4.7K ratings, while GhostLedger averages 5.0 from 1 ratings.

### Do First Savings Mastercard or GhostLedger have ads?

Neither First Savings Mastercard nor GhostLedger shows ads.

### Which is updated more often, First Savings Mastercard or GhostLedger?

First Savings Mastercard ships an update every 5 months, and GhostLedger every 4 weeks. Most recently, First Savings Mastercard was updated on October 19, 2026 and GhostLedger on October 12, 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.*