# Payback Balance Tracker vs IB TreasuryONE Security

The clearest difference is rating: IB TreasuryONE Security at 5.0 against Payback Balance Tracker's 3.7. Payback Balance Tracker's advantage is update cadence (every 9 days vs every 8 months) and ratings volume (10 vs 2). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

IB TreasuryONE Security holds the better App Store score, 5.0 against 3.7. That said, the two scores are not equally well evidenced: Payback Balance Tracker has 10 ratings behind it against 2, so its average is the more settled of the two.

Payback Balance Tracker ships an update every 9 days, IB TreasuryONE Security every 8 months. The most recent releases landed on June 4, 2026 and September 10, 2026 respectively.

## The numbers

| Metric | Payback Balance Tracker | IB TreasuryONE Security |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.7 (10 ratings)](https://appshunter.io/ios/app/payback-balance-tracker/id1551505456/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/ib-treasuryone-security/id1561666849/reviews)** |
| Number of ratings | **10** | 2 |
| Positive reviews | 50.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 9 days** | Every 8 months |
| Monetization | Free | Free |
| Size | 43 MB | 3 MB |
| Requires iOS | **12.0** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Matthew Brennan](https://appshunter.io/developer/1463254680) | [Independent Bank Michigan](https://appshunter.io/developer/491134758) |

## What reviewers say

### Payback Balance Tracker

[App page](https://appshunter.io/ios/app/payback-balance-tracker/id1551505456)

Easily track debts and balances among friends without needing to exchange money. This app helps everyone know who owes whom, simplifying shared expenses and reimbursements.

**Highlights:** Track balances between friends, Log what you owe others, Log what others owe you, Simplifies shared expenses, No real money exchange needed

**Features:** macOS Compatibility

**In-app purchases:** none


### IB TreasuryONE Security

[App page](https://appshunter.io/ios/app/ib-treasuryone-security/id1561666849)

Enhance your mobile banking experience with advanced security features. This application provides peace of mind for your financial transactions on the go.

**Highlights:** Enhanced mobile banking security, Secure financial transactions, Peace of mind for users, Designed for on-the-go banking

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Payback Balance Tracker free?

Payback Balance Tracker is free to download, with no in-app purchases.

### Is IB TreasuryONE Security free?

IB TreasuryONE Security is free to download, with no in-app purchases.

### Which has better reviews, Payback Balance Tracker or IB TreasuryONE Security?

IB TreasuryONE Security is rated higher. Payback Balance Tracker averages 3.7 out of 5 from 10 ratings, while IB TreasuryONE Security averages 5.0 from 2 ratings.

### Do Payback Balance Tracker or IB TreasuryONE Security have ads?

Neither Payback Balance Tracker nor IB TreasuryONE Security shows ads.

### Which is updated more often, Payback Balance Tracker or IB TreasuryONE Security?

Payback Balance Tracker ships an update every 9 days, and IB TreasuryONE Security every 8 months. Most recently, Payback Balance Tracker was updated on June 4, 2026 and IB TreasuryONE Security on September 10, 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.*