Citizens Cash Flow Essentials™ vs TipVault
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Citizens Cash Flow Essentials™
Manage your business finances with this digital banking platform. Access real-time information, make seamless payments, and utilize practical tools for informed decision-making. Services include ACH credits, wire origination, loan payments, and mobile check deposits.
- Real-time financial information
- Seamless payment functionality
- ACH credit payments
- Wire origination
- Mobile check deposits
- Bill pay and reporting
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Citizens Cash Flow Essentials™ is a digital simple, online and mobile banking platform and payment suite. It provides access to real-time information, seamless payment functionality and practical tools to help customers meet daily cash flow requirements and make well-informed business decisions. Services offered through Citizens Cash Flow Essentials™ may consist of, but are not limited to, the following: real-time payments, domestic ACH credit payments, wire origination, Citizens business loan payments and draws, unlimited mobile check deposits, stop payments, internal account transfers, bill pay, and reporting.
TipVault
Effortlessly calculate and track your tips and receipts. Split bills with ease, manage digital copies of your spending, and customize settings for a personalized experience.
- Instant tip calculator
- Bill splitting
- Receipt management
- Customizable settings
- Intuitive interface
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Introducing TipVault: Your Ultimate Tip Tracking Companion! Tired of fumbling with calculations or forgetting how much you tipped? Say hello to TipVault, the sleekest and smartest way to manage your tips and receipts! Why You'll LOVE TipVault: *Effortless Calculations: Split bills and calculate tips in seconds! Whether you're dining solo or with a crowd, TipVault makes it easy. *Receipt Management Made Simple: Snap a photo or manually enter details. Edit, view, and organize your receipts all in one place. Never lose track of your spending again! *Customizable Settings: Tailor TipVault to your needs. Set default tip percentages, currency, and more for a personalized experience. *Slick Design: Enjoy a clean, intuitive interface that makes tracking tips a breeze (and maybe even a little fun!). Key Features at a Glance: *Instant Tip Calculator: Calculate tips and total bill amounts quickly and accurately. *Bill Splitting: Easily divide the bill among multiple people. *Receipt Editor: Add, edit, and manage your past receipts digitally. *Personalized Settings: Configure default values and preferences. *Beautiful Interface: Navigate with ease thanks to our user-friendly design. Download TipVault today and take the guesswork out of tipping!
Screenshots
Verdict
The clearest difference is rating: TipVault at 5.0 against Citizens Cash Flow Essentials™'s 3.1. TipVault also leads on update cadence (weekly vs every 7 months). Citizens Cash Flow Essentials™'s advantage is ratings volume (7 vs 1) and iOS requirement (12.0 vs 15.1). On price, ads, in-app purchases and monetization model there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
TipVault holds the better App Store score, 5.0 against 3.1. That said, the two scores are not equally well evidenced: Citizens Cash Flow Essentials™ has 7 ratings behind it against 1, so its average is the more settled of the two.
Citizens Cash Flow Essentials™ ships an update every 7 months, TipVault weekly. The most recent releases landed on October 20, 2026 and October 6, 2026 respectively.
| Parameter | Citizens Cash Flow Essentials™ | TipVault |
|---|---|---|
| Price | Free | Free |
| Rating | 3.1 (7 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 7 — better | 1 |
| Update frequency | Every 7 months | Weekly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 12.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 20 MB | 28 MB |
| Age rating | 4+ | 4+ |
| Developer | Citizens Bank, N.A. | Adam Lubin |
Customer experience
Citizens Cash Flow Essentials™
TipVault
In-app purchases
Citizens Cash Flow Essentials™
No in-app purchases
TipVault
No in-app purchases
Questions
Is Citizens Cash Flow Essentials™ free?
Is TipVault free?
Which has better reviews, Citizens Cash Flow Essentials™ or TipVault?
Do Citizens Cash Flow Essentials™ or TipVault have ads?
Which is updated more often, Citizens Cash Flow Essentials™ or TipVault?
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