Bfirst Banking vs Envelope Budget
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Bfirst Banking
Manage all your financial accounts from different institutions in one place. Track transactions, set alerts, make payments, transfer funds, and deposit checks remotely. Secure your finances with passcode and biometric login options.
- Aggregate financial accounts
- Organize transactions with tags and notes
- Set balance alerts
- Make payments and transfer money
- Mobile check deposit
- Debit card management
- View statements
- Find branches and ATMs
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Bfirst Banking is your personal financial advocate that gives you the ability to aggregate all of your financial accounts, including accounts from other banks and credit unions, into a single view. It’s fast, secure and makes life easier by empowering you with the tools you need to manage your finances. Here’s what else you can do with Bfirst Banking: Keep your transactions organized by allowing you to add tags, notes and photos of receipts and checks. Set up alerts so you know when your balance drops below a certain amount Make payments, whether you’re paying a company or a friend Transfer money between your accounts Deposit checks in a snap by taking a picture of the front and back Reorder your debit card or turn it off if you’ve misplaced it View and save your monthly statements Find branches and ATMs near you Secure your account with a 4-digit passcode and fingerprint or face reader on supported devices. To use the Bfirst Banking app, you must be enrolled as a First State Bank digital banking user. If you currently use our Internet Banking, simply download the app, launch it, and login with the same Internet Banking credentials.
Envelope Budget
Manage your money by assigning every dollar a purpose. Track spending against your budget in real-time, ensuring you know exactly what you can afford to spend. Plan for bills and savings with a clear overview of your finances.
- Envelope budgeting
- Paycheck allocation
- Transaction tracking
- Bank sync (read-only)
- Bills calendar
- Savings goals
- Budget reports
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Stop wondering if you can afford it. Envelope Budget gives every dollar a job, so you always know what you can spend, what's set aside for bills, and what's left until payday. HOW IT WORKS When you get paid, fill your envelopes: mortgage, groceries, gas, eating out, savings. Every purchase comes out of an envelope. When one runs low, you know before you overspend, not after. FEATURES • Envelopes at a glance: see what's funded, what's spent and what's left in every envelope • Payday in one tap: allocate a paycheck the moment it lands, or reuse a paycheck template • Overspent? Cover it from another envelope in one tap. No guilt, just a plan • Smart inbox: new transactions arrive sorted. Payee rules suggest the envelope, and you swipe to accept • Bank sync: connect your bank through Plaid or SimpleFIN (read-only), or enter everything by hand • Amazon orders split by item: each item lands in the right envelope, with the EnvelopeBudget browser extension • Budget Bootcamp: a guided start that walks you through your first weeks, step by step • Budget together: invite your partner or family to the same budget, in sync on phone and web • Bills calendar and savings goals, so nothing sneaks up on you • Reports: spending by category, income by source, and net worth over time • Home Screen and Lock Screen widgets • Face ID or a PIN to keep your budget private PRIVATE BY DESIGN No ads. We never sell your data. Bank connections are read-only, and you can skip them entirely. FREE TRIAL, MEMBERSHIP AND SELF-HOSTING Envelope Budget can be used at no charge with your own self-hosted Envelope Budget server. The optional EnvelopeBudget.com hosted service includes a 34-day free trial; continued access to that hosted service requires a paid membership purchased through an in-app purchase. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is in-app purchases: Bfirst Banking at none against Envelope Budget's 3. Bfirst Banking also leads on ratings volume (1.1K vs 4). Envelope Budget's advantage is review sentiment (100% vs 67%) and update cadence (every 2 days vs monthly). On price, rating, ads and device support 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
Both are free to download. Envelope Budget sells 3 in-app purchases, starting at $3.99 per month. Bfirst Banking asks for nothing beyond the download.
On the App Store both sit at effectively the same score — 4.9 for Bfirst Banking against 5.0 for Envelope Budget. That said, the two scores are not equally well evidenced: Bfirst Banking has 1.1K ratings behind it against 4, so its average is the more settled of the two. Written reviews are what separate them: 67% of Bfirst Banking's written reviews are positive against 100% of Envelope Budget's.
Bfirst Banking ships an update monthly, Envelope Budget every 2 days. The most recent releases landed on October 20, 2026 and October 22, 2026 respectively.
| Parameter | Bfirst Banking | Envelope Budget |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (1.1K ratings) | 5.0 (4 ratings) — better |
| Positive reviews | 66.7% of reviews | 100.0% of reviews — better |
| Number of ratings | 1.1K — better | 4 |
| Update frequency | Monthly | Every 2 days — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Ad-supported — better | Free with in-app purchases |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 18.4 | 15.0 — better |
| Further details — not scored | ||
| Size | 198 MB | 47 MB |
| Age rating | 12+ | 4+ |
| Developer | First State Bank of Middlebury | Red Seam, Inc |
Customer experience
Bfirst Banking
Envelope Budget
In-app purchases
Bfirst Banking
No in-app purchases
Envelope Budget
- Monthly Membership$3.991 Month
- Annual Membership$39.991 Year
- Lifetime Membership$59.99
Questions
Is Bfirst Banking free?
Is Envelope Budget free?
Which has better reviews, Bfirst Banking or Envelope Budget?
Do Bfirst Banking or Envelope Budget have ads?
Which is updated more often, Bfirst Banking or Envelope Budget?
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