Comparison

iO vs Trackonomy

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

Head to head
About

iO

Manage a digital credit card entirely from your phone. Enjoy unlimited 1% cashback on all purchases and access exclusive discounts. Securely activate/deactivate your card and get 24/7 support.

Highlights
  • 100% digital credit card management
  • Unlimited 1% cashback on all purchases
  • Exclusive discounts on dining and delivery
  • Virtual and physical card options
  • PIN management for physical card
  • Card activation/deactivation feature
  • 24/7 chat support
Features
Read full description

Tarjeta de crédito que opera desde esta app de manera 100% digital. Realiza consumos tanto virtuales como presenciales y acumula el 1% de Cashback de manera ilimitada. iO es un producto nuevo del BCP. Es una Tarjeta de Crédito Visa con CERO costos de membresía, sin condiciones. Podrás gestionar y solicitar tu tarjeta física junto a todo lo que te ofrece desde tu celular estés donde estés. ¿Cómo funciona? 1. Crea tu cuenta en la app para descubrir si puedes adquirir la tarjeta. 2. Valida tu identidad con análisis biométrico de tu rostro y verifica tu DNI en la misma app. 3. Una vez terminado el proceso de registro ya tendrás lista tu Tarjeta virtual iO. ¿Qué te ofrece iO? - CERO Membresía: No tendrás que pagar ningún costo de membresía, sin consumos mínimos ni otras condiciones. - Cashback: Te devolvemos el 1% del dinero de tus consumos de manera ilimitada. Acumúlalo y úsalo para pagar tu tarjeta iO. - Beneficios: En la app encontrarás beneficios exclusivos de iO con grandes descuentos en restaurantes, Delivery, tiendas y mucho más. - Tarjeta física: Solicita tu tarjeta física desde la app para hacer consumos en tiendas o comercios de forma presencial. - PIN: Como una capa extra de seguridad, tu tarjeta física usa un código PIN para confirmar tus compras presenciales, el cual puedes cambiar desde la misma app. - Seguridad: Tu seguridad es nuestra prioridad, eres el único dueño de tus datos. En la app podrás configurar tu tarjeta iO para activarla o desactivarla cuando creas conveniente. Soporte 24/7: En la app tienes a tu disposición un chat de ayuda con Expertos iO siempre listos para ayudarte cuando lo necesites. Además, puedes comunicarte también al Call Center o por WhatsApp para bloqueos de tarjeta. Somos un nuevo producto que está buscando darle a nuestros usuarios la mejor experiencia financiera. Trabajamos todos los días por seguir mejorando lo que ofrecemos en base a sus comentarios y para mantenerlos informados sobre las novedades que tenemos. Jiron Centenario 156 La Molina - Lima - Perú

About

Trackonomy

Effortlessly track your spending and manage debts with automated expense capture from your email or Apple Pay. Log expenses via voice, receipt photos, or manual entry, and set budgets with visual alerts. Monitor your financial overview and recurring payments with convenient widgets.

Highlights
  • Automatic expense capture from email/alerts
  • Apple Pay payment capture via Shortcuts
  • AI-powered expense entry from voice/photos
  • Manual expense logging
  • Category-based budgeting with warnings
  • Owed to me/I owe debt tracking
  • Monthly financial overview and recurring payments
Features
Read full description

Trackonomy shows you where your money goes without having to write down every expense by hand. AUTOMATIC CAPTURE • Connect your Outlook mailbox or forward your bank's alerts: Trackonomy reads the amount, merchant and date and gets the expense ready for you. • Apple Pay capture: with a shortcut in the Shortcuts app, every Apple Pay payment reaches your inbox the moment you pay. • Nothing is saved without your approval: review it, fix it if needed and confirm. LOG IT YOUR WAY • Say it out loud, snap the receipt or type it in a sentence: AI builds the entry and you confirm it. • Or enter it by hand, in the currency you use. BUDGETS • A limit for every category and a warning before you go over. • Trouble shows in red. DEBTS • "Owed to me" and "I owe", per person. Settling up nets it out automatically. YOUR MONTH AT A GLANCE • Net spend, daily average and how you compare with last month. • Recurring payments and widgets on the Home Screen and Lock Screen. • Works offline and syncs when you're back online. Available in English, Spanish and Portuguese. Some features, such as automatic capture, require Trackonomy Premium (weekly, monthly or yearly subscription). Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://trackonomy.app/privacy

Screenshots

iO4 screens
Trackonomy4 screens

Verdict

The call

The clearest difference is in-app purchases: iO at none against Trackonomy's 3. iO also leads on ratings volume (88 vs 1) and iOS requirement (15.6 vs 17.0). Trackonomy's advantage is review sentiment (100% vs 80%). On price, rating, update cadence and ads 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Trackonomy sells 3 in-app purchases, starting at $1.99 per 7 days. iO asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.9 for iO against 5.0 for Trackonomy. That said, the two scores are not equally well evidenced: iO has 88 ratings behind it against 1, so its average is the more settled of the two. Written reviews are what separate them: 80% of iO's written reviews are positive against 100% of Trackonomy's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly weekly. The most recent releases landed on November 3, 2026 and October 31, 2026 respectively.

Scorecard5 real differences · 5 level
iO versus Trackonomy: the parameters behind the verdict, then further details
ParameteriOTrackonomy
PriceFreeFree
Rating4.9 (88 ratings)5.0 (1 ratings) — better
Positive reviews80.0% of reviews100.0% of reviews — better
Number of ratings88 — better1
Update frequencyWeeklyWeekly
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFreemium
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.6 — better17.0
Further details — not scored
Size327 MB13 MB
Age rating17+4+
DeveloperBanco de Crédito BCPVIZIA S.A.C.

Customer experience

iO

All ratings88 ratings
Positive97.7%
Neutral0.0%
Negative2.3%
Written reviews5 reviews
Positive80.0%
Neutral0.0%
Negative20.0%

Trackonomy

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

iO

No in-app purchases

3 purchases

Trackonomy

Subscriptions3
  • Weekly Premium Plan7 Days trial$1.997 Days
  • Monthly Premium Plan7 Days trial$3.991 Month
  • Yearly Premium Plan7 Days trial$39.991 Year

Questions

Is iO free?
iO is free to download, with no in-app purchases.
Is Trackonomy free?
Trackonomy is free to download, with in-app purchases available.
Which has better reviews, iO or Trackonomy?
Trackonomy is rated higher. iO averages 4.9 out of 5 from 88 ratings, while Trackonomy averages 5.0 from 1 ratings.
Do iO or Trackonomy have ads?
Neither iO nor Trackonomy shows ads.
Which is updated more often, iO or Trackonomy?
iO ships an update weekly, and Trackonomy weekly. Most recently, iO was updated on November 3, 2026 and Trackonomy on October 31, 2026.

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