# Mercury | Bank Differently vs Subtle

The clearest difference is in-app purchases: Mercury | Bank Differently at none against Subtle's 2. Mercury | Bank Differently also leads on ratings volume (13K vs 1). On price, rating, update cadence and ads there is nothing between them.

Both are free to download. Subtle sells 2 in-app purchases, starting at $39.99 per year. Mercury | Bank Differently asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 4.9 for Mercury | Bank Differently against 5.0 for Subtle. That said, the two scores are not equally well evidenced: Mercury | Bank Differently has 13K ratings behind it against 1, so its average is the more settled of the two.

Mercury | Bank Differently ships an update weekly, Subtle fortnightly. The most recent releases landed on September 26, 2026 and September 24, 2026 respectively.

## The numbers

| Metric | Mercury | Bank Differently | Subtle |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.9 (13K ratings)](https://appshunter.io/ios/app/mercury-bank-differently/id1491984028/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/subtle-subscription-tracker/id6781251166/reviews)** |
| Number of ratings | **13K** | 1 |
| Positive reviews | 63.7% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | **Weekly** | Fortnightly |
| Monetization | Freemium | Freemium |
| Size | 228 MB | 48 MB |
| Requires iOS | 18.0 | **17.0** |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | +4 |
| Developer | [Mercury Technologies, Inc.](https://appshunter.io/developer/1491984027) | [North Studio](https://appshunter.io/developer/1896510509) |

## What reviewers say

### Mercury | Bank Differently

[App page](https://appshunter.io/ios/app/mercury-bank-differently/id1491984028)

This app provides business and personal banking solutions designed for entrepreneurs and ambitious individuals. It offers features like payment processing, expense management, invoicing, and high-interest savings accounts, all managed online.

**Highlights:** Business banking, Personal accounts, Payment processing, Expense management, Invoicing, Bill pay, High-interest savings

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Robust platform for startups and small businesses
- 👍 Intuitive and user-friendly app
- 🔒 Secure banking experience
- 💡 Unique features like virtual and physical debit cards
- 🤝 Responsive and helpful customer support

**What reviewers complain about**

- 🕰️ Slow response times and delayed customer service
- 🔒 Overly intensive security measures causing login difficulties
- 🕰️ Slow check deposit and fund availability
- 🚫 Lack of phone support and only email-based communication
- 🤔 Unclear account approval and rejection criteria

**Reported bugs**

- Debit cards randomly stop working
- Verification process often fails without explanation
- Funds get held up between linked accounts
- Inability to link external bank accounts

**Requested features**

- Add phone support and live chat
- Reduce check deposit time
- Increase transfer limits
- Implement dark mode and customizable themes
- Provide more detailed account and transaction information


### Subtle

[App page](https://appshunter.io/ios/app/subtle-subscription-tracker/id6781251166)

Effortlessly manage all your recurring payments in one place. This app helps you track subscriptions, get renewal reminders, and understand your spending. It also provides guides to help you cancel unwanted services.

**Highlights:** Track all subscriptions in one view, Scan receipts for automatic entry, Built-in catalog of popular services, Renewal reminders, Spending insights and totals, Cancellation guides for services

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Subtle Pro Annual | $39.99 | per year |
| Subtle Pro Lifetime | $99.99 | one-time |


## Frequently asked questions

### Is Mercury | Bank Differently free?

Mercury | Bank Differently is free to download, with no in-app purchases.

### Is Subtle free?

Subtle is free to download, with in-app purchases available.

### Which has better reviews, Mercury | Bank Differently or Subtle?

Subtle is rated higher. Mercury | Bank Differently averages 4.9 out of 5 from 13K ratings, while Subtle averages 5.0 from 1 ratings.

### Do Mercury | Bank Differently or Subtle have ads?

Neither Mercury | Bank Differently nor Subtle shows ads.

### Which is updated more often, Mercury | Bank Differently or Subtle?

Mercury | Bank Differently ships an update weekly, and Subtle fortnightly. Most recently, Mercury | Bank Differently was updated on September 26, 2026 and Subtle on September 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.*