MCB SmartApprove vs BudgetFlowly
Price, ratings, monetisation and update history for both apps, side by side β with what reviewers say about each.
MCB SmartApprove
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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 userβs 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
BudgetFlowly
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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
Verdict
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
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.
MCB SmartApprove ships an update every 4 weeks, BudgetFlowly weekly. The most recent releases landed on November 3, 2026 and October 31, 2026 respectively.
| Parameter | MCB SmartApprove | BudgetFlowly |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 4 weeks | Weekly β better |
| Ads | No β better | Yes |
| In-app purchases | No β better | Yes |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 14.0 β better | 15.1 |
| Further details β not scored | ||
| Size | 124 MB | 43 MB |
| Age rating | 4+ | 4+ |
| Developer | MCB GROUP Limited | Tony AI |
In-app purchases
MCB SmartApprove
No in-app purchases
BudgetFlowly
- BudgetFlowly Plus Monthly7 Days trial$4.991 Month
- BudgetFlowly Plus Annual7 Days trial$29.991 Year
Questions
Is MCB SmartApprove free?
Is BudgetFlowly free?
Do MCB SmartApprove or BudgetFlowly have ads?
Which is updated more often, MCB SmartApprove or BudgetFlowly?
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