# Citizens Pay vs SaveSpend3

The clearest difference is update cadence: SaveSpend3 at every 9 days against Citizens Pay's every 6 weeks. Citizens Pay's advantage is iOS requirement (14.0 vs 17.0). On price, ads, in-app purchases and device support there is nothing between them.

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

Citizens Pay ships an update every 6 weeks, SaveSpend3 every 9 days. The most recent releases landed on October 20, 2026 and October 14, 2026 respectively.

## The numbers

| Metric | Citizens Pay | SaveSpend3 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (15K ratings)](https://appshunter.io/ios/app/citizens-pay/id1641778457/reviews)** | — |
| Number of ratings | **15K** | — |
| Positive reviews | 41.7% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Every 9 days** |
| Monetization | Free | — |
| Size | 79 MB | 2 MB |
| Requires iOS | **14.0** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Citizens Bank, N.A.](https://appshunter.io/developer/388082491) | [29Apps LLC](https://appshunter.io/developer/1817021563) |

## What reviewers say

### Citizens Pay

[App page](https://appshunter.io/ios/app/citizens-pay/id1641778457)

Manage your Citizens Pay accounts securely and conveniently from your mobile device. Access statements, schedule payments, and set up automatic payments. Stay informed about your account balance and transaction history.

**Highlights:** 24/7 secure account access, Paperless PDF statements, Schedule one-time payments, Set up Auto Pay, View account balance, Track transaction history

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 💳 Easy and convenient payment
- 🕰️ Able to pay early or set up auto-pay
- 👍 Seamless application process
- 🙏 Understanding and patient with customers

**What reviewers complain about**

- 🐛 App freezes or crashes frequently
- 🔑 Login issues, unable to log in
- 🤖 Widget doesn't work in dark mode
- 🔒 Unethical practices to charge fees

**Reported bugs**

- Login screen freezes or shows errors
- App not compatible with latest iOS versions
- Blank screens and server errors
- Can't make more than minimum payment with auto-pay

**Requested features**

- Add Face ID or biometric login
- Allow pasting passwords
- Show payment details after making a payment
- Improve app stability and performance


### SaveSpend3

[App page](https://appshunter.io/ios/app/savespend3/id6746460033)

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

**In-app purchases:** none


## Frequently asked questions

### Is Citizens Pay free?

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

### Is SaveSpend3 free?

SaveSpend3 is free to download, with no in-app purchases.

### Do Citizens Pay or SaveSpend3 have ads?

Neither Citizens Pay nor SaveSpend3 shows ads.

### Which is updated more often, Citizens Pay or SaveSpend3?

Citizens Pay ships an update every 6 weeks, and SaveSpend3 every 9 days. Most recently, Citizens Pay was updated on October 20, 2026 and SaveSpend3 on October 14, 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.*