Comparison

Live Oak Bank vs SubScan

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

Head to head
About

Live Oak Bank

Manage your finances with this FDIC-insured online bank. Access your accounts, deposit checks, move money, and view statements securely. Enjoy competitive rates and excellent customer service through a fast and accessible mobile app.

Highlights
  • Manage profile and account names
  • Check balances and transaction history
  • Move money between accounts
  • Deposit multiple checks
  • Manage savings and CD disbursements
  • View and download statements
Features
Read full description

Live Oak Bank offers competitive interest rates, no monthly maintenance fees, and a fast and secure connection to your other bank accounts. Enjoy the ease and accessibility of an FDIC insured online bank with unparalleled customer service. Our mobile app is another way we help our customers achieve more. Mobile banking features • Manage your profile and account names • Check balances and search transaction history • Move Money • Deposit multiple checks at one time • Manage Savings and CD interest disbursements • Manage CD maturity options • View and download account statements and tax documents • Manage users on the account • Open your account through the app • Manage your external accounts Live Oak Bank’s mobile banking app is secure, simple, and fast. You can access a real-time view of your finances and manage your account online. 1. Live Oak Bank is a member of the Federal Deposit Insurance Corporation (FDIC). As a Live Oak Bank customer, your Live Oak Bank deposits are insured by the FDIC up to $250,000 per depositor for each account ownership category. © 2021 LIVE OAK BANKING COMPANY. ALL RIGHTS RESERVED. MEMBER FDIC. EQUAL HOUSING LENDER.

About

SubScan

Effortlessly track all your recurring expenses by scanning receipts or billing screens. Automatically extract service names, prices, and renewal dates to avoid forgotten charges and stay on top of your budget.

Highlights
  • Scan receipts for automatic data extraction
  • Track subscription prices and renewal dates
  • Get notified before renewals
  • View upcoming charges on a calendar
  • Add notes to subscription entries
  • Sort subscriptions by various criteria
Features
Read full description

Subscan helps you track every subscription you pay for — without spreadsheets, without manual entry, and without getting surprised by a charge you forgot about. Just scan any receipt or billing screen and Subscan reads it for you. Service name, price, renewal date, billing cycle — extracted automatically, right on your device. Track every subscription with clarity See all your subscriptions in one place with prices and renewal dates at a glance Know exactly what you're paying each month and each year Spot subscriptions you forgot you had Add notes to keep context on every entry Sort by name, price, renewal date, or date added — your way Scan any receipt in seconds Point your camera at any subscription receipt, billing email, or account screen Subscan extracts the details automatically — no typing required Review and confirm before saving — you're always in control Works with streaming services, SaaS tools, cloud storage, and more Never get surprised by a renewal Get notified before any subscription renews See upcoming charges on your renewal calendar Know what's coming before it hits your bank account Private by design All receipt scanning happens entirely on your device No receipt images or financial data are ever sent anywhere No ads No data selling Your subscriptions stay yours Unlock Subscan Pro Subscan is free to try with up to 3 subscriptions. Unlock Pro with a one-time purchase to get: - Unlimited subscriptions - Notifications of upcoming bills One payment. No recurring charges. No irony. If you've ever been charged by a subscription you forgot you had — Subscan is for you. Privacy Policy: https://sites.google.com/view/subscan-subscriptiontracker/home By downloading this app you agree to Apple's standard Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Live Oak Bank4 screens
SubScan4 screens

Verdict

The call

The clearest difference is rating: SubScan at 5.0 against Live Oak Bank's 2.3. SubScan also leads on update cadence (every 6 days vs every 2 months). Live Oak Bank's advantage is in-app purchases (none vs 1) and ratings volume (140 vs 2). On price, ads, device support and iOS requirement 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. SubScan sells 1 one-off in-app purchase. Live Oak Bank asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

SubScan holds the better App Store score, 5.0 against 2.3. That said, the two scores are not equally well evidenced: Live Oak Bank has 140 ratings behind it against 2, so its average is the more settled of the two.

UpkeepUpdate frequency

Live Oak Bank ships an update every 2 months, SubScan every 6 days. The most recent releases landed on November 7, 2026 and October 31, 2026 respectively.

Scorecard5 real differences · 5 level
Live Oak Bank versus SubScan: the parameters behind the verdict, then further details
ParameterLive Oak BankSubScan
PriceFreeFree
Rating2.3 (140 ratings)5.0 (2 ratings) — better
Positive reviews16.7% of reviews—
Number of ratings140 — better2
Update frequencyEvery 2 monthsEvery 6 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFree with in-app purchases
DevicesiPhoneiPhone, iPad — better
Requires iOS16.0 — better17.6
Further details — not scored
Size69 MB138 MB
Age rating4+4+
DeveloperLive Oak BankMASON QULIZADA

Customer experience

Live Oak Bank

All ratings139 ratings
Positive27.3%
Neutral3.6%
Negative69.1%
Written reviews72 reviews
Positive16.7%
Neutral6.9%
Negative76.4%

SubScan

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

Live Oak Bank

Reported bugs

20 issues
  • Mobile deposit feature consistently fails
  • App freezes during check deposit photos
  • Login issues (username/password incorrect, Face ID/Touch ID not working, account locked)
  • App agreement submission button becomes unresponsive
  • App hangs after front photo during check deposit
Show 15 more
  • QuickBooks support is buggy with missing transactions
  • App crashes frequently
  • App is constantly down or unavailable for maintenance
  • Biometric login (Face ID, Touch ID) not working reliably
  • App not remembering login credentials
  • App not compatible with Mint
  • App crashes when photographing checks
  • App only works in portrait mode
  • Mobile check deposit feature crashes after turning off warnings
  • Enrollment process is buggy and cumbersome
  • Recent updates require frequent Face ID setup
  • App does not send required codes for signup
  • Cannot log in after enrollment, stuck in enrollment loop
  • App does not work on iPad
  • Deposits on hold for 3-5 days

Requested features

5 requests
  • Dark mode integration
  • Add total balance for all accounts
  • Improve Face ID/Touch ID reliability
  • Fix QuickBooks integration
  • Add landscape mode and iPad view

SubScan

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Live Oak Bank

No in-app purchases

1 purchases

SubScan

One-time1
  • Lifetime$7.99

Questions

Is Live Oak Bank free?
Live Oak Bank is free to download, with no in-app purchases.
Is SubScan free?
SubScan is free to download, with in-app purchases available.
Which has better reviews, Live Oak Bank or SubScan?
SubScan is rated higher. Live Oak Bank averages 2.3 out of 5 from 140 ratings, while SubScan averages 5.0 from 2 ratings.
Do Live Oak Bank or SubScan have ads?
Neither Live Oak Bank nor SubScan shows ads.
Which is updated more often, Live Oak Bank or SubScan?
Live Oak Bank ships an update every 2 months, and SubScan every 6 days. Most recently, Live Oak Bank was updated on November 7, 2026 and SubScan on October 31, 2026.

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