Comparison

MCB SmartApprove vs BudgetFlowly

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

Head to head
About

MCB SmartApprove

Features
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MCB's SmartApprove application allows corporate signatory users to authorise their transactions using transaction signing. You will be able to login and authorise your payments in a simple and secure way. The application has the below main features: Β· Device registration using the bank user’s internet banking credentials backed by a two-factor security via one time password. Β· Authorise transactions In-band and Out of band. Β· Biometric features. Β· A dashboard providing the user with details on transactions already executed. Β· Receive notifications when making a payment to a new beneficiary, or an existing one with new account details or a beneficiary to whom payments have not been made during the last 18 months

About

BudgetFlowly

Features
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BudgetFlowly shows you where your money is going β€” and warns you before you overspend, while there's still time to fix it. WHAT IT DOES β€’ Safe to spend today: one clear number telling you how much you can spend today and stay on budget. β€’ Spend-pace forecast: BudgetFlowly projects each category to month-end at your current pace, so you see a blowout coming instead of finding out too late. β€’ Category budgets: set a monthly limit per category and watch a live progress bar turn from green to over-budget red. β€’ Trends & forecast: a projected month-end total, a breakdown of where your money goes, and a tap into any category for its own pace and history. β€’ Full transaction ledger: every expense grouped by day, filterable by category, edit or delete anytime. β€’ Budget templates: start from proven personal-finance frameworks (50/30/20, zero-based, envelope) β€” enter your income and get suggested limits instantly. β€’ Budget alerts: optional local reminders when a category is on pace to exceed its limit. No account, no server. PRIVATE BY DESIGN Everything stays on your device. No bank login, no account to create, nothing to hand over. HONEST BY DESIGN Core budgeting is free. No forced trial to open the app, no hidden charges. BudgetFlowly Plus is an optional auto-renewing subscription that unlocks unlimited custom budget categories. Clearly priced, cancel anytime. Subscription: auto-renews unless canceled β‰₯24h before the period ends; payment charged to your Apple ID at confirmation; manage/cancel in App Store settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://budgetflowly.com/privacy

Screenshots

MCB SmartApprove4 screens
BudgetFlowly2 screens

Verdict

The call

The clearest difference is in-app purchases: MCB SmartApprove at none against BudgetFlowly's 2. MCB SmartApprove also leads on ads (none vs shown). BudgetFlowly's advantage is update cadence (weekly vs every 4 weeks). On price, device support and iOS requirement there is nothing between them.

Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS

CostPrice Β· In-app purchases Β· Ads Β· Monetization

Both are free to download. BudgetFlowly sells 2 in-app purchases, starting at $4.99 per month. MCB SmartApprove asks for nothing beyond the download.

UpkeepUpdate frequency

MCB SmartApprove ships an update every 4 weeks, BudgetFlowly weekly. The most recent releases landed on November 3, 2026 and October 31, 2026 respectively.

Scorecard3 real differences Β· 3 level
MCB SmartApprove versus BudgetFlowly: the parameters behind the verdict, then further details
ParameterMCB SmartApproveBudgetFlowly
PriceFreeFree
Update frequencyEvery 4 weeksWeekly β€” better
AdsNo β€” betterYes
In-app purchasesNo β€” betterYes
DevicesiPhone, iPodiPhone, iPod
Requires iOS14.0 β€” better15.1
Further details β€” not scored
Size124 MB43 MB
Age rating4+4+
DeveloperMCB GROUP LimitedTony AI

In-app purchases

None

MCB SmartApprove

No in-app purchases

2 purchases

BudgetFlowly

Subscriptions2
  • BudgetFlowly Plus Monthly7 Days trial$4.991 Month
  • BudgetFlowly Plus Annual7 Days trial$29.991 Year

Questions

Is MCB SmartApprove free?
MCB SmartApprove is free to download, with no in-app purchases.
Is BudgetFlowly free?
BudgetFlowly is free to download, with in-app purchases available.
Do MCB SmartApprove or BudgetFlowly have ads?
BudgetFlowly shows ads; MCB SmartApprove does not.
Which is updated more often, MCB SmartApprove or BudgetFlowly?
MCB SmartApprove ships an update every 4 weeks, and BudgetFlowly weekly. Most recently, MCB SmartApprove was updated on November 3, 2026 and BudgetFlowly on October 31, 2026.

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