Smart Data vs SpendTrack
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Smart Data
Streamline your business expense reporting on the go. Capture receipts with your phone, add justifications, and manage costs from anywhere. This app is a component of your bank's commercial card program.
- Review posted corporate Mastercard expenses
- Add receipts using phone camera
- Add business justification and allocate costs
- Group and manage multiple expenses
- Approve expenses and groups
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Note: This mobile application needs to be enabled by your bank. Your business happens in lots of places and, these days, it's usually not in your office. With Smart Data, your expense reporting can happen anytime, anywhere, just like your work. With the Smart Data mobile application, you can: * Review all posted expenses associated with your corporate Mastercard * Add receipts captured with your phone's camera eliminating the need to keep track of paper receipts * Add a business justification and allocate costs * Group and manage multiple expenses at once * Manage expenses and groups as an approver Smart Data is a component of Mastercard's Commercial product offerings, which financial institutions provide to their business customers to manage their Commercial Card programs. With the Mastercard Smart Data suite of solutions, organizations can better monitor spending, reduce vendor costs, and maximize efficiency. Smart Data helps companies seamlessly organize, consolidate, manage, and analyze financial data from cards, and cash transactions. Smart Data is a single, scalable, and highly configurable global platform with proven market leadership globally.
SpendTrack
Manage business card programs and expenses digitally. Employees can make payments and submit reports, while managers can oversee accounts, credit lines, and approvals. Features real-time card controls and intelligent receipt capture.
- Digital card management
- Expense report submission
- Real-time card controls
- Intelligent receipt capture
- Spend analytics
- Customizable workflows
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This application is powered by Fiserv, Inc. but is activated through specific financial institutions and businesses. Check with your business administrator or financial institution to ensure they participate in SpendTrack prior to downloading. Exact functionality may vary by financial institution based on their subscription. _________________________________________ SPENDTRACK HELPS BUSINESSES EFFICIENTLY MANAGE THEIR CARD PROGRAM AND EXPENSES DIGITALLY SpendTrack is a scalable solution that is ideal for small and midsize businesses. It enables: -- Employees to make payments, view transactions, request a card and submit expense reports -- Small-business owners and managers to view employee accounts, open new accounts, manage credit lines, and view and approve expense reports ROBUST FUNCTIONALITY – ALL IN ONE APP -- Real-time card controls, including locking and unlocking a card, resetting PIN, reporting a lost/stolen card, establishing spending limits and enabling merchant category restrictions -- Customizable expense management workflows that streamline the administration and review process -- Intelligent receipt capture with card and transaction data auto-population, even before the transaction posts -- Expense report creation with receipt attachments and mileage claims -- Statement access and payment information -- Spend breakdowns, by cardholder, department, or pay account -- Comprehensive analytics that provide complete program visibility and drive better business decisions with insights into spend trends, merchant spend and credit line use
Screenshots
Verdict
The clearest difference is ratings volume: Smart Data at 699 against SpendTrack's 7. SpendTrack's advantage is rating (4.7 vs 4.4) and iOS requirement (15.0 vs 17.0). On price, update cadence, ads and in-app purchases 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. Neither carries in-app purchases, so what you see is what you pay.
SpendTrack holds the better App Store score, 4.7 against 4.4. That said, the two scores are not equally well evidenced: Smart Data has 699 ratings behind it against 7, so its average is the more settled of the two.
Both ship on a similar rhythm, roughly monthly. The most recent releases landed on September 20, 2026 and August 4, 2026 respectively.
| Parameter | Smart Data | SpendTrack |
|---|---|---|
| Price | Free | Free |
| Rating | 4.4 (699 ratings) | 4.7 (7 ratings) — better |
| Positive reviews | 25.0% of reviews | — |
| Number of ratings | 699 — better | 7 |
| Update frequency | Monthly | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 17.0 | 15.0 — better |
| Further details — not scored | ||
| Size | 63 MB | 69 MB |
| Age rating | 4+ | 4+ |
| Developer | Mastercard International Incorporated | Fiserv, Inc |
Customer experience
Smart Data
SpendTrack
Bugs and requests
Smart Data
Reported bugs
6 issues- Login issues
- Uploading receipts issues
- App crashes during receipt import
- Constant error messages
- Submitted expenses cannot be edited
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- Submitting receipts fails frequently
Requested features
8 requests- Biometric login (Face ID/fingerprint)
- Update required notification
- Storage for pending charge receipts
- Ability to recognize recurring charges
- Autofill password functionality
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- Ability to take receipt picture from app
- See billing session total/balance
- Sync submitted receipts with pictures
SpendTrack
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Smart Data
No in-app purchases
SpendTrack
No in-app purchases
Questions
Is Smart Data free?
Is SpendTrack free?
Which has better reviews, Smart Data or SpendTrack?
Do Smart Data or SpendTrack have ads?
Which is updated more often, Smart Data or SpendTrack?
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