# Garden FI vs FCBL

The clearest difference is ratings volume: FCBL at 613 against Garden FI's 18. On price, rating, update cadence and ads there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.8 for Garden FI against 4.9 for FCBL. That said, the two scores are not equally well evidenced: FCBL has 613 ratings behind it against 18, so its average is the more settled of the two.

Both ship on a similar rhythm, roughly monthly. The most recent releases landed on October 24, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | Garden FI | FCBL |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (18 ratings)](https://appshunter.io/ios/app/garden-fi/id1521321916/reviews) | **[4.9 (613 ratings)](https://appshunter.io/ios/app/fcbl/id1671024406/reviews)** |
| Number of ratings | 18 | **613** |
| Positive reviews | — | 25.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | Monthly |
| Monetization | Ad-supported | Ad-supported |
| Size | 197 MB | 199 MB |
| Requires iOS | 18.4 | 18.4 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 12+ | 12+ |
| Developer | [Jack Henry and Associates, Inc.](https://appshunter.io/developer/1229273746) | [First Citizens Bank (AL)](https://appshunter.io/developer/566037104) |

## What reviewers say

### 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


### FCBL

[App page](https://appshunter.io/ios/app/fcbl/id1671024406)

Manage your finances with tools to organize transactions, set alerts, and make payments. Securely deposit checks, transfer funds, and reorder debit cards. Access statements and find nearby branches or ATMs.

**Highlights:** Organize transactions with tags, notes, and photos, Set balance alerts, Make payments and transfer money, Deposit checks via photo, Manage debit cards, View monthly statements, Find branches and ATMs

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is Garden FI free?

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

### Is FCBL free?

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

### Which has better reviews, Garden FI or FCBL?

FCBL is rated higher. Garden FI averages 4.8 out of 5 from 18 ratings, while FCBL averages 4.9 from 613 ratings.

### Do Garden FI or FCBL have ads?

Neither Garden FI nor FCBL shows ads.

### Which is updated more often, Garden FI or FCBL?

Garden FI ships an update monthly, and FCBL monthly. Most recently, Garden FI was updated on October 24, 2026 and FCBL on October 30, 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.*