Comparison

Bfirst Banking vs Envelope Budget

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

Head to head
About

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.

Highlights
  • 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
Features
Read full description

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.

About

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.

Highlights
  • Envelope budgeting
  • Paycheck allocation
  • Transaction tracking
  • Bank sync (read-only)
  • Bills calendar
  • Savings goals
  • Budget reports
Features
Read full description

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

Bfirst Banking4 screens
Envelope Budget4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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.

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

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.

Scorecard6 real differences · 4 level
Bfirst Banking versus Envelope Budget: the parameters behind the verdict, then further details
ParameterBfirst BankingEnvelope Budget
PriceFreeFree
Rating4.9 (1.1K ratings)5.0 (4 ratings) — better
Positive reviews66.7% of reviews100.0% of reviews — better
Number of ratings1.1K — better4
Update frequencyMonthlyEvery 2 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationAd-supported — betterFree with in-app purchases
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS18.415.0 — better
Further details — not scored
Size198 MB47 MB
Age rating12+4+
DeveloperFirst State Bank of MiddleburyRed Seam, Inc

Customer experience

Bfirst Banking

All ratings1,106 ratings
Positive97.6%
Neutral1.5%
Negative0.8%
Written reviews6 reviews
Positive66.7%
Neutral33.3%
Negative0.0%

Envelope Budget

All ratings4 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Bfirst Banking

No in-app purchases

3 purchases

Envelope Budget

Subscriptions2
  • Monthly Membership$3.991 Month
  • Annual Membership$39.991 Year
One-time1
  • Lifetime Membership$59.99

Questions

Is Bfirst Banking free?
Bfirst Banking is free to download, with no in-app purchases.
Is Envelope Budget free?
Envelope Budget is free to download, with in-app purchases available.
Which has better reviews, Bfirst Banking or Envelope Budget?
Envelope Budget is rated higher. Bfirst Banking averages 4.9 out of 5 from 1.1K ratings, while Envelope Budget averages 5.0 from 4 ratings.
Do Bfirst Banking or Envelope Budget have ads?
Neither Bfirst Banking nor Envelope Budget shows ads.
Which is updated more often, Bfirst Banking or Envelope Budget?
Bfirst Banking ships an update monthly, and Envelope Budget every 2 days. Most recently, Bfirst Banking was updated on October 20, 2026 and Envelope Budget on October 22, 2026.

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