# Settlements vs Sparrow

The clearest difference is rating: Sparrow at 4.2 against Settlements's 1.0. Sparrow also leads on ratings volume (159 vs 1) and iOS requirement (15.1 vs 26.0). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Settlements sells 2 one-off in-app purchases and Sparrow sells 2 in-app purchases, starting at $19.00 per month. Whichever you choose, the download price is not the number that matters.

Sparrow holds the better App Store score, 4.2 against 1.0. That said, the two scores are not equally well evidenced: Sparrow has 159 ratings behind it against 1, so its average is the more settled of the two.

Settlements ships an update every 3 weeks, Sparrow every 2 weeks. The most recent releases landed on October 29, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | Settlements | Sparrow |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.0 (1 ratings)](https://appshunter.io/ios/app/settlements/id1493347231/reviews) | **[4.2 (159 ratings)](https://appshunter.io/ios/app/sparrow-ai-refund-agent/id6753935624/reviews)** |
| Number of ratings | 1 | **159** |
| Positive reviews | — | 18.5% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 2 weeks** |
| Monetization | Freemium | Free with in-app purchases |
| Size | 14 MB | 59 MB |
| Requires iOS | 26.0 | **15.1** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Jay Patel](https://appshunter.io/developer/1493208243) | [Sparrow - Refund Finder](https://appshunter.io/developer/1828836398) |

## What reviewers say

### Settlements

[App page](https://appshunter.io/ios/app/settlements/id1493347231)

Easily manage shared expenses and settle debts with friends and family. Track bills, add members, and set currencies for seamless financial coordination. Offers both free and premium features for enhanced expense management.

**Highlights:** Add settlements for groups, Track individual bills, Add members by phone number, Set custom currencies, Light and dark appearance modes, Access to charts and themes (Plus), One-tap settlement (Plus)

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Settlement Plus Monthly | $0.99 | one-time |
| Settlement Plus Yearly | $9.99 | one-time |


### Sparrow

[App page](https://appshunter.io/ios/app/sparrow-ai-refund-agent/id6753935624)

Automatically discovers and helps you claim money you're owed, including class action settlements, unclaimed funds, and late delivery refunds. It can also negotiate bills, cancel subscriptions, and address bank fees through AI-powered assistance.

**Highlights:** Finds class action settlements, Locates unclaimed money, Requests late delivery refunds via AI, Negotiates bills and cancels subscriptions with AI, Identifies bank fee issues, Monitors for new claims, One-tap claim submissions

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Plan | $19.00 | per month |
| Annual plan ($7/month) | $84.00 | per year |


## Frequently asked questions

### Is Settlements free?

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

### Is Sparrow free?

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

### Which has better reviews, Settlements or Sparrow?

Sparrow is rated higher. Settlements averages 1.0 out of 5 from 1 ratings, while Sparrow averages 4.2 from 159 ratings.

### Do Settlements or Sparrow have ads?

Neither Settlements nor Sparrow shows ads.

### Which is updated more often, Settlements or Sparrow?

Settlements ships an update every 3 weeks, and Sparrow every 2 weeks. Most recently, Settlements was updated on October 29, 2026 and Sparrow on October 30, 2026.

---

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