Comparison

Extraco eBank vs Garden FI

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Extraco eBank

Manage your finances conveniently with a secure banking app. Features include card management, budgeting tools, and the ability to link external accounts for a comprehensive financial overview.

Highlights
  • Card swap for multiple service providers
  • Financial management and budgeting tools
  • Turn debit card on/off
  • Set travel alerts
  • Link external accounts
Read full description

Extraco Banks eBank gives you the flexibility to access all your finances in one secure banking app. Available features include: * Card swap to update debit card number across multiple service providers at one time * New financial management and budgeting tools * Ability to turn on / off debit card and set travel alerts * Ability to link external accounts so you can have a complete financial picture in one app Please contact us at 1.866.398.7226 with any questions. Extraco Banks is a Member FDIC.

About

Garden FI

Manage your money with this personal finance tool. Organize transactions with tags and photos, set balance alerts, and make payments. Secure your account with passcodes or biometrics.

Highlights
  • Organize transactions with tags, notes, and photos
  • Set balance alerts
  • Make payments to companies and friends
  • Transfer money between accounts
  • Deposit checks via photo
  • Manage debit cards
  • View and save monthly statements
Features
Read full description

Garden is your personal financial advocate. It’s fast, secure and makes life easier by empowering you with the tools you need to manage your finances. Here’s what else you can do with Garden: Keep your transactions organized by allowing you to add tags, notes and photos of receipts and checks. Set up alerts so you know when your balance drops below a certain amount Make payments, whether you’re paying a company or a friend Transfer money between your accounts Deposit checks in a snap by taking a picture of the front and back Reorder your debit card or turn it off if you’ve misplaced it View and save your monthly statements Find branches and ATMs near you Secure your account with a 4-digit passcode or biometric supported devices.

Screenshots

Extraco eBank4 screens
Garden FI4 screens

Verdict

The call

The clearest difference is ratings volume: Extraco eBank at 1.8K against Garden FI's 18. Extraco eBank also leads on monetization model (free vs ad-supported) and iOS requirement (16.0 vs 18.4). Garden FI's advantage is rating (4.8 vs 4.4) and update cadence (monthly vs every 2 months). On price, 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

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

Garden FI holds the better App Store score, 4.8 against 4.4. That said, the two scores are not equally well evidenced: Extraco eBank has 1.8K ratings behind it against 18, so its average is the more settled of the two.

UpkeepUpdate frequency

Extraco eBank ships an update every 2 months, Garden FI monthly. The most recent releases landed on October 26, 2026 and October 24, 2026 respectively.

Scorecard5 real differences · 5 level
Extraco eBank versus Garden FI: the parameters behind the verdict, then further details
ParameterExtraco eBankGarden FI
PriceFreeFree
Rating4.4 (1.8K ratings)4.8 (18 ratings) — better
Positive reviews87.1% of reviews—
Number of ratings1.8K — better18
Update frequencyEvery 2 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPadiPhone, iPad
Requires iOS16.0 — better18.4
Further details — not scored
Size33 MB197 MB
Age rating4+12+
DeveloperExtraco BanksJack Henry and Associates, Inc.

Customer experience

Extraco eBank

All ratings1,691 ratings
Positive86.0%
Neutral3.2%
Negative10.8%
Written reviews388 reviews
Positive87.1%
Neutral4.6%
Negative8.2%

Garden FI

All ratings18 ratings
Positive94.4%
Neutral0.0%
Negative5.6%

Bugs and requests

Extraco eBank

Reported bugs

3 issues
  • Frequent log-outs and password resets required
  • Mobile deposit feature not working consistently
  • Transactions not always displaying correctly

Requested features

5 requests
  • Add built-in calculator
  • Improve transaction categorization and budgeting
  • Provide option for dark mode
  • Allow minors to deposit checks
  • Enhance transfer history and recurring payments

Garden FI

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Extraco eBank

No in-app purchases

None

Garden FI

No in-app purchases

Questions

Is Extraco eBank free?
Extraco eBank is free to download, with no in-app purchases.
Is Garden FI free?
Garden FI is free to download, with no in-app purchases.
Which has better reviews, Extraco eBank or Garden FI?
Garden FI is rated higher. Extraco eBank averages 4.4 out of 5 from 1.8K ratings, while Garden FI averages 4.8 from 18 ratings.
Do Extraco eBank or Garden FI have ads?
Neither Extraco eBank nor Garden FI shows ads.
Which is updated more often, Extraco eBank or Garden FI?
Extraco eBank ships an update every 2 months, and Garden FI monthly. Most recently, Extraco eBank was updated on October 26, 2026 and Garden FI on October 24, 2026.

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