# IDBI Soft Token vs SplitCircle AI Expense Tracker

The clearest difference is in-app purchases: IDBI Soft Token at none against SplitCircle AI Expense Tracker's 3. IDBI Soft Token also leads on iOS requirement (12.0 vs 15.1). SplitCircle AI Expense Tracker's advantage is update cadence (every 4 days vs every 7 months). On price, ads and device support there is nothing between them.

Both are free to download. SplitCircle AI Expense Tracker sells 3 in-app purchases, starting at $0.99 per month. IDBI Soft Token asks for nothing beyond the download.

IDBI Soft Token ships an update every 7 months, SplitCircle AI Expense Tracker every 4 days. The most recent releases landed on September 20, 2026 and September 18, 2026 respectively.

## The numbers

| Metric | IDBI Soft Token | SplitCircle AI Expense Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 33.3% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 7 months | **Every 4 days** |
| Monetization | Free | — |
| Size | 11 MB | 55 MB |
| Requires iOS | **12.0** | 15.1 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [IDBI BANK LIMITED](https://appshunter.io/developer/1121610258) | [SEVENTYTHREE LINES DEVELOPMENT PRIVATE LIMITED](https://appshunter.io/developer/1892345116) |

## What reviewers say

### IDBI Soft Token

[App page](https://appshunter.io/ios/app/idbi-soft-token/id1588375608)

Generate One-Time Passwords (OTPs) offline for secure authentication with your bank's net banking. This app eliminates the need for SMS OTPs, offering a convenient and reliable alternative for authorizing transactions without mobile network coverage.

**Highlights:** Offline OTP generation, Alternative to SMS OTP, Secure transaction authentication, No mobile network required, Convenient OTP access, Registration via net banking

**Features:** macOS Compatibility

**In-app purchases:** none


### SplitCircle AI Expense Tracker

[App page](https://appshunter.io/ios/app/splitcircle-ai-expense-tracker/id6775386647)

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pro Monthly | $0.99 | per month |
| Pro Annual | $5.99 | per year |
| Pro Access | $14.99 | one-time |


## Frequently asked questions

### Is IDBI Soft Token free?

IDBI Soft Token is free to download, with no in-app purchases.

### Is SplitCircle AI Expense Tracker free?

SplitCircle AI Expense Tracker is free to download, with in-app purchases available.

### Do IDBI Soft Token or SplitCircle AI Expense Tracker have ads?

Neither IDBI Soft Token nor SplitCircle AI Expense Tracker shows ads.

### Which is updated more often, IDBI Soft Token or SplitCircle AI Expense Tracker?

IDBI Soft Token ships an update every 7 months, and SplitCircle AI Expense Tracker every 4 days. Most recently, IDBI Soft Token was updated on September 20, 2026 and SplitCircle AI Expense Tracker on September 18, 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.*