# Citizens Cash Flow Essentials™ vs TipVault

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.

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.

## The numbers

| Metric | Citizens Cash Flow Essentials™ | TipVault |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.1 (7 ratings)](https://appshunter.io/ios/app/citizens-cash-flow-essentials/id1642802239/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/tipvault/id6744623893/reviews)** |
| Number of ratings | **7** | 1 |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 7 months | **Weekly** |
| Monetization | Free | Free |
| Size | 20 MB | 28 MB |
| Requires iOS | **12.0** | 15.1 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Citizens Bank, N.A.](https://appshunter.io/developer/388082491) | [Adam Lubin](https://appshunter.io/developer/1791225159) |

## What reviewers say

### Citizens Cash Flow Essentials™

[App page](https://appshunter.io/ios/app/citizens-cash-flow-essentials/id1642802239)

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.

**Highlights:** Real-time financial information, Seamless payment functionality, ACH credit payments, Wire origination, Mobile check deposits, Bill pay and reporting

**Features:** macOS Compatibility

**In-app purchases:** none


### TipVault

[App page](https://appshunter.io/ios/app/tipvault/id6744623893)

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.

**Highlights:** Instant tip calculator, Bill splitting, Receipt management, Customizable settings, Intuitive interface

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Citizens Cash Flow Essentials™ free?

Citizens Cash Flow Essentials™ is free to download, with no in-app purchases.

### Is TipVault free?

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

### Which has better reviews, Citizens Cash Flow Essentials™ or TipVault?

TipVault is rated higher. Citizens Cash Flow Essentials™ averages 3.1 out of 5 from 7 ratings, while TipVault averages 5.0 from 1 ratings.

### Do Citizens Cash Flow Essentials™ or TipVault have ads?

Neither Citizens Cash Flow Essentials™ nor TipVault shows ads.

### Which is updated more often, Citizens Cash Flow Essentials™ or TipVault?

Citizens Cash Flow Essentials™ ships an update every 7 months, and TipVault weekly. Most recently, Citizens Cash Flow Essentials™ was updated on October 20, 2026 and TipVault on October 6, 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.*