Accelovate vs Shoal
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Accelovate
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Accelovate (powered by Crunch Payments) provides its own approved card payment solutions to business and organisations across Europe as well as, if required, a bespoke card solution including the full Crunch Payments ecosystem. A part of Accelovate/Crunch Payments ecosystem is our dedicated app, which allows Accelovate cardholders to: ● View the Accelovate cards on your account, including virtual and physical cards ● Check the balance on each of your cards ● View all transactions on your cards, including date/time, retailer and transaction type ● Attach photographs to each transaction, to allow you to manage your expenses ● View and update your card settings: including retailer blocks, usage limits and other security features ●Allow sharing of data with other viewers ●Centralise the data for business management in the Crunch Payments platform ● Transfer money between your cards Accelovate's end to end solution allows you to launch your Fintech product in weeks, not months. Our payment solutions can be used to manage expenses, set up reloadable prepaid cards, create virtual cards, gift cards… the list of solutions is endless. We are happy to discuss your needs in order to provide the best way to deliver a solution to your business. The Accelovate app is evolving with technology, compliance and our clients. Whilst the app is available as an immediate product, it can also be customised to your prepaid requirement. Some of the app features are unique such as the ability to share restricted information with viewers and attaching shopping receipts to transactions. The Accelovate app is connected to the Crunch Payments Web based management platform : CAT, that allows the business to manage and offer further features to the Card users. Accelovate works with organisations across multiple sectors: retail, gaming, banking, credit company, government and dozens more: we help shipping companies manage their fuel expenses and farmers to pay their workforce. Our products are available off-the-shelf, or completely white-labelled to match your brand. All our solutions incorporate industry-leading security controls which allow you to monitor spending, block unauthorised expenditure and prevent fraud. We are fully compliant with all legislation including PSD2 and GDPR, and our products will save you time, money and ensure your payments are protected. Our solution allows access to our global partners across all payment sectors. Accelovate is an program approved by Mastercard, working with two established issuing banks as well as the leading card processor GPS. Our experience, knowledge and relationships will help you get your product up and running quickly and easily with the right tool to deliver your solution faster.
Shoal
Grow your savings while supporting sustainable global projects. Track your positive environmental impact, like CO2 avoidance and clean water generation, alongside your financial growth. Contribute to UN Sustainable Development Goals with FSCS-protected savings pots.
- Earn returns on savings
- Support green and social projects
- Track CO2e avoidance
- Track clean water generated
- Contribute to UN SDGs
- FSCS protected savings
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Earn a great return on your savings as you help support a global portfolio of sustainable projects. Can you increase your savings as you help lower CO2? Shoal you can. - All in. 100% of your money helps support a global portfolio of green and social projects and companies². - Track your contribution. See the CO2e avoidance and clean water you help generate with your savings while growing your wealth². - Good for your wallet, good for the world. Contribute to a range of the United Nations' Sustainable Development Goals². All Savings Pots up to £85,000 are protected by FSCS³. - Shoal's mission Our mission is to empower people to achieve their financial goals while promoting environmental and social responsibility. — 1. Rates shown are indicative, latest rates are available in the Shoal App. Rates shown are annualised (AER). Returns on savings are repaid at the end of the savings term. 2. The impact of your savings is reflected in CO2 avoided or clean water generated, however these are benchmark statistics and do not guarantee that all products that your savings support directly contribute to the generation of clean water or reduction / avoidance of CO2 emissions. The Sustainable Finance portfolio against which your savings are referenced is provided by Standard Chartered Bank. Standard Chartered Bank is authorised by the PRA and regulated by the FCA (FRN 114276) and the PRA. For more information on the wider portfolio of sustainable projects and companies your savings help to support and how your impact is measured, read our FAQs. 3. For more information on how we ensure that your funds are kept safe at all times, read our FAQs.
Screenshots
Verdict
The clearest difference is update cadence: Shoal at every 2 months against Accelovate's every 4 months. Accelovate's advantage is iOS requirement (13.0 vs 15.1). On price, ads, in-app purchases 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. Neither carries in-app purchases, so what you see is what you pay.
Accelovate ships an update every 4 months, Shoal every 2 months. The most recent releases landed on April 22, 2026 and September 19, 2026 respectively.
| Parameter | Accelovate | Shoal |
|---|---|---|
| Price | Free | Free |
| Rating | — | 5.0 (1 ratings) — better |
| Positive reviews | — | 90.0% of reviews |
| Number of ratings | — | 1 — better |
| Update frequency | Every 4 months | Every 2 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 30 MB | 132 MB |
| Age rating | 4+ | 4+ |
| Developer | Crunch Payments Limited | Algbra FS UK Limited |
In-app purchases
Accelovate
No in-app purchases
Shoal
No in-app purchases









