# Cypher Wallet vs SpendSmart

The clearest difference is iOS requirement: Cypher Wallet at 15.1 against SpendSmart's 18.6. On price, update cadence, ads and in-app purchases there is nothing between them.

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

Cypher Wallet ships an update every 10 days, SpendSmart every 3 weeks. The most recent releases landed on October 16, 2026 and October 3, 2026 respectively.

## The numbers

| Metric | Cypher Wallet | SpendSmart |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.2 (30 ratings)](https://appshunter.io/ios/app/cypher-wallet/id1604120414/reviews)** | — |
| Number of ratings | **30** | — |
| Positive reviews | 76.4% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 10 days** | Every 3 weeks |
| Monetization | Freemium | — |
| Size | 104 MB | 2 MB |
| Requires iOS | **15.1** | 18.6 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 17+ | 4+ |
| Developer | [CypherD Wallet Inc](https://appshunter.io/developer/1604120416) | [Brahmjot Singh Tatla](https://appshunter.io/developer/1816408948) |

## What reviewers say

### Cypher Wallet

[App page](https://appshunter.io/ios/app/cypher-wallet/id1604120414)

This app allows you to spend your cryptocurrency like cash globally using a virtual or physical card. It supports multiple blockchains and offers instant integration with Apple Pay and Google Pay. You maintain full control of your funds with a non-custodial wallet.

**Highlights:** Spend crypto like cash globally, Zero-fee crypto card, Non-custodial wallet, Multi-chain support (15+ blockchains), Instant Apple Pay & Google Pay compatibility, Virtual and physical card options, Global ATM cash withdrawal

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### SpendSmart

[App page](https://appshunter.io/ios/app/spendsmart-expense-tracker/id6769875393)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Cypher Wallet free?

Cypher Wallet is free to download, with no in-app purchases.

### Is SpendSmart free?

SpendSmart is free to download, with no in-app purchases.

### Do Cypher Wallet or SpendSmart have ads?

Neither Cypher Wallet nor SpendSmart shows ads.

### Which is updated more often, Cypher Wallet or SpendSmart?

Cypher Wallet ships an update every 10 days, and SpendSmart every 3 weeks. Most recently, Cypher Wallet was updated on October 16, 2026 and SpendSmart on October 3, 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.*