# Live Oak Bank vs SubScan

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.

Both are free to download. SubScan sells 1 one-off in-app purchase. Live Oak Bank asks for nothing beyond the download.

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.

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.

## The numbers

| Metric | Live Oak Bank | SubScan |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.3 (140 ratings)](https://appshunter.io/ios/app/live-oak-bank/id1521341307/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/subscan-subscription-tracker/id6759879166/reviews)** |
| Number of ratings | **140** | 2 |
| Positive reviews | 16.7% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 6 days** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 69 MB | 138 MB |
| Requires iOS | **16.0** | 17.6 |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 4+ |
| Developer | [Live Oak Bank](https://appshunter.io/developer/796973434) | [MASON QULIZADA](https://appshunter.io/developer/1869718916) |

## What reviewers say

### Live Oak Bank

[App page](https://appshunter.io/ios/app/live-oak-bank/id1521341307)

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:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Great customer service (Hannah mentioned)
- 👍 High interest rates
- 👍 Clean and simple interface
- 👍 Funds earn interest same day (sometimes)
- 👍 Easy to view accounts

**What reviewers complain about**

- 🐛 Mobile deposit frequently broken
- 🐛 App crashes often
- 🐛 Login issues (password, Face ID, Touch ID)
- 🐛 App agreement issues
- 🐛 Horrible communication/denial reasons

**Reported bugs**

- 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

**Requested features**

- 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

[App page](https://appshunter.io/ios/app/subscan-subscription-tracker/id6759879166)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Lifetime | $7.99 | one-time |


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