Comparison

ARQ vs Expense Tracker

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

Head to head
About

ARQ

Manage your money globally with competitive conversion rates and cashback. Access international markets for investments and receive payments from abroad. Ideal for travelers, remote workers, and investors seeking borderless financial solutions.

Highlights
  • Global currency exchange
  • High conversion rates
  • Borderless payments
  • International investing
  • High-yield earnings accounts
  • Physical and virtual card
Features
Read full description

ARQ - Modern finance for the global era. 2 million users across Latin America. ARQ connects travelers, freelancers and remote professionals with the world’s strongest assets and markets. DIGITAL DOLLAR AND EURO ACCOUNTS WITH A REAL CONVERSION RATE Convert Argentinian pesos into digital dollars and digital euros in seconds, with the interbank conversion rate - the one you see on Google. No hidden fees, no surprises. THE IDEAL INTERNATIONAL CARD FOR TRAVEL Pay in any currency with a great rate. Your ARQ Mastercard works in more than 180 countries. No fees, no annual fee. • International card accepted worldwide • Prestige credit card available with exclusive benefits • Compatible with Apple Pay and Google Wallet • Ideal for travelers, international online shopping, and payments abroad RECEIVE PAYMENTS FROM THE USA - IDEAL FOR BUSINESS OWNERS AND FREELANCERS Get your own U.S. account details (ACH/Wire) and European account details (IBAN). Receive payments as if you lived there - with a great conversion rate and no surprise fees. Compatible platforms: Deel, Upwork, OnTop, Payoneer, PayPal, Airbnb, Fiverr, Workana, and more. INTERNATIONAL PAYMENTS Send payments abroad and receive international payments with the interbank conversion rate. No hidden fees. Ideal for sending payments to the United States, Europe, and more than 70 countries. SAVE IN DIGITAL DOLLARS AND EUROS ARQ helps you manage your global finances more effectively. Use digital dollars and digital euros to manage your balance, plan expenses, and support your international financial goals. YOUR SECURITY IS OUR PRIORITY • Payments protected with 3DS security • Access with biometrics, Touch ID, or Face ID • Data encrypted with multiple layers of protection • More than 2 million users trust ARQ HOW IT WORKS 1. Download ARQ and sign up in minutes 2. Add funds 3. Convert to digital dollars or digital euros instantly 4. Use your international card anywhere in the world FREQUENTLY ASKED QUESTIONS What is ARQ? ARQ (formerly DolarApp) is an international finance platform. We offer a digital dollar and euro account, an international Mastercard, a Prestige credit card, yields in digital dollars, and international payments — all in one app. What is the conversion rate? We use the interbank conversion rate - the same one you see on Google. No hidden margins. Always transparent. Can I receive payments from the U.S.? Yes. You get your own U.S. account details (ACH/Wire) to receive payments from companies, clients, or platforms like Deel and Upwork. Does ARQ offer a credit card? Yes. In addition to the international Mastercard debit card, ARQ also offers the Prestige credit card with exclusive benefits. Is ARQ safe? Yes. We use end-to-end encryption, 3DS security, biometrics, and multiple layers of protection. What happened to DolarApp? DolarApp is now ARQ. The same technology, the same unbeatable rates, with an even more ambitious vision. Your account and data remain the same. Contact: help@arqfinance.com Website: arqfinance.com Chat: Message us through the in-app chat

About

Expense Tracker

Effortlessly track your daily expenses using AI-powered voice input or manual entry. The app automatically categorizes and splits your spending with a beautiful, clutter-free interface. Your data is securely stored in your personal iCloud, with no login required.

Highlights
  • AI-powered voice expense entry
  • Automatic expense categorization
  • Manual expense entry
  • Custom category creation
  • Beautiful and simple UI/UX
  • Privacy-friendly iCloud storage
  • No login required
Features
Read full description

Introducing MonAi, the app that revolutionizes how you track your daily expenses. With a fun, easy, and beautiful interface, MonAi simplifies expense tracking like never before. No more time-consuming data entry. Enter your expenses just like a voice message and MonAi will automatically split and categorize it for you. No login required, all saved securely in your personal iCloud. EFFORTLESS EXPENSE TRACKING Experience the future of expense tracking with MonAi's seamless voice input feature. Effortlessly capture your expenses by simply speaking them out loud. MonAi's robust AI algorithms intelligently categorize and divide your expenses without any manual effort on your part. Don't worry if voice input isn't your preference—MonAi offers versatile options. Enter expenses manually and still benefit from the app's intelligent categorization. Alternatively, drag and drop a category onto the input field to define your own custom category. MonAi adapts to your needs, making expense tracking quick, fun, and tailored to your style. BEAUTIFUL UI/UX DESIGN Enjoy a delightful and user-friendly interface, carefully designed to elevate your expense tracking experience. Embracing simplicity and elegance, MonAi's user-friendly design ensures that you can focus on what matters—your finances. Unlike overwhelming apps with unnecessary features, MonAi strips away the clutter, presenting you with a streamlined and intuitive interface that makes tracking expenses a pleasure. PRIVACY-FRIENDLY AND SECURE Rest assured knowing that your expense data is stored securely in your own personal iCloud. MonAi values your privacy and does not require any login credentials and doesn't have access to any of your data. Download MonAi now and discover a seamless and efficient way to track your expenses. Take control of your finances and experience the convenience of MonAi. Get to know the app and all of it’s features first with a free trial before you can choose between a monthly or yearly subscription. The subscription will automatically renew at the end of the period, for the same price. You can turn off the auto-renewal at any time up until 24-hours before the end of the subscription period in your Account Settings. When you cancel the auto-renewal, access to the "Pro features" will not expire immediately, you will have access until the end of the current payment period. Read more about it in the terms of service: https://www.get-monai.app/terms

Screenshots

ARQ4 screens
Expense Tracker4 screens

Verdict

The call

The clearest difference is in-app purchases: ARQ at none against Expense Tracker's 17. ARQ also leads on update cadence (weekly vs every 2 weeks). Expense Tracker's advantage is review sentiment (83% vs 60%) and rating (4.8 vs 4.5). On price, ratings volume, 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. Expense Tracker sells 17 in-app purchases, starting at $2.99 per month. ARQ asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Expense Tracker holds the better App Store score, 4.8 against 4.5. Both are backed by a comparable volume of ratings — 1K and 886 respectively. Written reviews point the same way: 60% of ARQ's written reviews are positive against 83% of Expense Tracker's.

UpkeepUpdate frequency

ARQ ships an update weekly, Expense Tracker every 2 weeks. The most recent releases landed on October 27, 2026 and October 25, 2026 respectively.

Scorecard5 real differences · 5 level
ARQ versus Expense Tracker: the parameters behind the verdict, then further details
ParameterARQExpense Tracker
PriceFreeFree
Rating4.5 (1K ratings)4.8 (886 ratings) — better
Positive reviews59.8% of reviews82.6% of reviews — better
Number of ratings1K — better886
Update frequencyWeekly — betterEvery 2 weeks
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFree with in-app purchases
DevicesiPhoneiPhone
Requires iOS17.0 — better18.0
Further details — not scored
Size364 MB53 MB
Age rating+174+
DeveloperDolarApp IncFlorian Vates

Customer experience

ARQ

All ratings999 ratings
Positive87.0%
Neutral0.8%
Negative12.2%
Written reviews430 reviews
Positive59.8%
Neutral1.6%
Negative38.6%

Expense Tracker

All ratings886 ratings
Positive95.6%
Neutral1.7%
Negative2.7%
Written reviews149 reviews
Positive82.6%
Neutral6.0%
Negative11.4%

Bugs and requests

ARQ

Not enough reviews yet to summarise bugs or requests.

Expense Tracker

Reported bugs

3 issues
  • Doesn't register all bank transactions
  • Incompatible with some devices or iOS versions
  • Sharing large lists doesn't work

Requested features

6 requests
  • Weekly/daily expense view
  • Separate savings category
  • Ability to add past expenses
  • Multi-currency support
  • Improved reporting and analytics
Show 1 more
  • Dark mode option

In-app purchases

None

ARQ

No in-app purchases

17 purchases

Expense Tracker

Subscriptions17
  • Student Monthly7 Days trial$2.991 Month
  • Basic monthly intro7 Days trial$2.991 Month
  • Advanced$2.991 Month
Show 14 more
  • Family month intro7 Days trial$3.991 Month
  • Basic monthly7 Days trial$3.991 Month
  • Family$3.991 Month
  • Student Monthly7 Days trial$4.491 Month
  • Family month7 Days trial$5.491 Month
  • Monthly7 Days trial$7.991 Month
  • Student Yearly7 Days trial$24.991 Year
  • Basic yearly intro7 Days trial$24.991 Year
  • Advanced$24.991 Year
  • Basic yearly7 Days trial$29.991 Year
  • Family yearly intro7 Days trial$34.991 Year
  • Family$34.991 Year
  • Family yearly7 Days trial$39.991 Year
  • Yearly7 Days trial$71.991 Year

Questions

Is ARQ free?
ARQ is free to download, with no in-app purchases.
Is Expense Tracker free?
Expense Tracker is free to download, with in-app purchases available.
Which has better reviews, ARQ or Expense Tracker?
Expense Tracker is rated higher. ARQ averages 4.5 out of 5 from 1K ratings, while Expense Tracker averages 4.8 from 886 ratings.
Do ARQ or Expense Tracker have ads?
Neither ARQ nor Expense Tracker shows ads.
Which is updated more often, ARQ or Expense Tracker?
ARQ ships an update weekly, and Expense Tracker every 2 weeks. Most recently, ARQ was updated on October 27, 2026 and Expense Tracker on October 25, 2026.

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