Phoenix Wallet vs Spendia
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Phoenix Wallet
This app offers a fast, easy, and secure way to manage Bitcoin. It leverages the Lightning Network for near-instantaneous payments with minimal fees, making it ideal for everyday transactions like buying coffee. It's a non-custodial, open-source wallet designed for user-friendliness.
- Instant Bitcoin payments
- Minimal transaction fees
- Secure Bitcoin storage
- Automatic Lightning channel management
- Non-custodial wallet
- Open source
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Phoenix makes using bitcoin easy, fast and safe. Payments are nearly instantaneous, and fees are minimal. You can use it to send payments (e.g. buy a cup of coffee), receive payments, and store your bitcoin safely for day-to-day spending. The bitcoin lightning network means faster payments and smaller fees. Lightning is 100% bitcoin - an open standardized payments layer, engineered to improve speed while maintaining security and decentralization. And Phoenix makes it possible for everyone to use. Lightning channels are managed for you automatically. And inbound liquidity is automatically handled too. If you don't know what any of that means, then this is the wallet for you! Phoenix is a non-custodial wallet, and is fully open source. It was created by ACINQ, one of the pioneering companies in the bitcoin lightning network. And the same company that runs the largest lightning node in the world. Bitcoin is for everyone. Enjoy.
Spendia
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SpendIA - Smart Expense Tracking with AI Take control of your finances with SpendIA, the intelligent expense tracker that makes managing your money effortless. KEY FEATURES: - Multiple Input Methods: Add expenses via voice, photo, text, or manually - AI-Powered Categorization: Automatic expense classification - Budget Management: Set monthly budgets and get real-time alerts - Income Tracking: Monitor your income and projected balance - Smart Predictions: AI-powered spending forecasts - Apple Pay Integration: Capture card transactions via Shortcuts - Beautiful Charts: Visualize your spending patterns PREMIUM FEATURES: - Unlimited AI voice entries - Unlimited photo receipt scanning - Advanced spending predictions - Priority support Whether you're tracking daily coffee runs or planning your monthly budget, SpendIA makes financial management simple and intuitive. Download SpendIA today and start your journey to better financial health! Privacy Policy: https://kcamposa.github.io/spendia-privacy/privacy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is in-app purchases: Phoenix Wallet at none against Spendia's 2. Phoenix Wallet also leads on iOS requirement (16.0 vs 26.2). Spendia's advantage is update cadence (weekly vs monthly). On price, 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. Spendia sells 2 in-app purchases, starting at $4.99 per month. Phoenix Wallet asks for nothing beyond the download.
Phoenix Wallet ships an update monthly, Spendia weekly. The most recent releases landed on October 21, 2026 and October 10, 2026 respectively.
| Parameter | Phoenix Wallet | Spendia |
|---|---|---|
| Price | Free | Free |
| Rating | 4.2 (75 ratings) — better | — |
| Positive reviews | 57.1% of reviews | — |
| Number of ratings | 75 — better | — |
| Update frequency | Monthly | Weekly — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free | — |
| Devices | iPhone, iPad — better | iPhone |
| Requires iOS | 16.0 — better | 26.2 |
| Further details — not scored | ||
| Size | 61 MB | 20 MB |
| Age rating | 4+ | 4+ |
| Developer | ACINQ | Kevin Campos Alfaro |
Bugs and requests
Phoenix Wallet
Reported bugs
18 issues- Money not reflecting in account
- Crypto locked in wallet
- Bitcoin sent without user action
- App not opening on iOS
- Funds never arrived after transaction
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- UI display incorrect for amounts
- Transaction pending for over 30 hours
- Seed backup to iCloud not resolved
- Funds stuck for months
- App deleted wallet after upgrade
- Restoring connections indefinitely
- Sat incoming message with 3 z
- Ghost notification badge
- V2 broken, 'restoring connections'
- Receiving not working for days
- Transactions not going through
- App offline, no internet message
- Malware activity warnings
Requested features
7 requests- Add LN Address
- Show preimage in detail
- Add Portuguese language
- Add CZK fiat currency
- Option to connect via TOR on iOS
Show 2 moreShow fewer
- Ability to open own channels
- QR code receiving for bleskomat
Spendia
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Phoenix Wallet
No in-app purchases
Spendia
- Premium Monthly7 Days trial$4.991 Month
- Premium Annual7 Days trial$24.991 Year
