# Bank X Mobile 4 vs Xpens

The clearest difference is price: Xpens at Free against Bank X Mobile 4's $3.99. Xpens also leads on update cadence (every 4 days vs every 2 months). Bank X Mobile 4's advantage is review sentiment (35% vs 0%) and iOS requirement (13.0 vs 15.1). On ads, in-app purchases and device support there is nothing between them.

Xpens is free to download; Bank X Mobile 4 costs $3.99 up front. Neither carries in-app purchases, so what you see is what you pay.

Bank X Mobile 4 ships an update every 2 months, Xpens every 4 days. The most recent releases landed on November 11, 2026 and November 8, 2026 respectively.

## The numbers

| Metric | Bank X Mobile 4 | Xpens |
| --- | --- | --- |
| Price | $3.99 | **Free** |
| Positive reviews | **35.0% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 4 days** |
| Monetization | Paid | **Free** |
| Size | 13 MB | 36 MB |
| Requires iOS | **13.0** | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Application Systems Heidelberg Software GmbH](https://appshunter.io/developer/324565007) | [Autoblicker GesmbH](https://appshunter.io/developer/1786701521) |

## What reviewers say

### Bank X Mobile 4

[App page](https://appshunter.io/ios/app/bank-x-mobile-4/id1481937302)

Manage your finances and bank accounts conveniently from your iOS device. Access account statements, perform transfers, and track expenses offline. Supports various banking standards and security methods for secure online banking.

**Highlights:** Online banking with iPhone/iPad, Access account statements offline, Perform transfers, direct debits, standing orders, Access stock portfolios, Create and use templates for transactions, Supports HBCI and PSD2 standards, Manual expense tracking

**Features:** Siri integration, Vision Pro support

**In-app purchases:** none


### Xpens

[App page](https://appshunter.io/ios/app/xpens/id6739723507)

Effortlessly track your expenses with AI. Snap photos of receipts or upload images, and let the app automatically extract and categorize your spending. Simplify bookkeeping and gain a clear overview of your finances.

**Highlights:** AI-powered receipt scanning, Automatic expense categorization, Secure data storage, User-friendly interface, Easy export options, Automated bookkeeping

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Bank X Mobile 4 free?

Bank X Mobile 4 costs $3.99, with no in-app purchases.

### Is Xpens free?

Xpens is free to download, with no in-app purchases.

### Do Bank X Mobile 4 or Xpens have ads?

Neither Bank X Mobile 4 nor Xpens shows ads.

### Which is updated more often, Bank X Mobile 4 or Xpens?

Bank X Mobile 4 ships an update every 2 months, and Xpens every 4 days. Most recently, Bank X Mobile 4 was updated on November 11, 2026 and Xpens on November 8, 2026.

---

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