# Extraco eBank vs Garden FI

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.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

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.

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.

## The numbers

| Metric | Extraco eBank | Garden FI |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (1.8K ratings)](https://appshunter.io/ios/app/extraco-ebank/id1491516388/reviews) | **[4.8 (18 ratings)](https://appshunter.io/ios/app/garden-fi/id1521321916/reviews)** |
| Number of ratings | **1.8K** | 18 |
| Positive reviews | 87.1% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Monthly** |
| Monetization | **Free** | Ad-supported |
| Size | 33 MB | 197 MB |
| Requires iOS | **16.0** | 18.4 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 12+ |
| Developer | [Extraco Banks](https://appshunter.io/developer/417482907) | [Jack Henry and Associates, Inc.](https://appshunter.io/developer/1229273746) |

## What reviewers say

### Extraco eBank

[App page](https://appshunter.io/ios/app/extraco-ebank/id1491516388)

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

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Convenient and functional
- 🔒 Secure with extra protection
- 💡 Helpful scam alerts
- 👍 Friendly and professional customer service

**What reviewers complain about**

- 🐛 Occasional login issues
- 🐛 Difficulty navigating bill pay
- 🐛 Inconsistent user experience after updates
- 🐛 Lack of detailed transaction notes
- 🐛 Trouble depositing checks via mobile

**Reported bugs**

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

**Requested features**

- 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

[App page](https://appshunter.io/ios/app/garden-fi/id1521321916)

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:** Apple Wallet

**In-app purchases:** none


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