# Transfero vs SpendNivo

The clearest difference is in-app purchases: Transfero at none against SpendNivo's 6. SpendNivo's advantage is update cadence (every 5 days vs every 2 weeks) and iOS requirement (13.0 vs 15.5). On price, ads and device support there is nothing between them.

Both are free to download. SpendNivo sells 6 in-app purchases, starting at $2.99 per month. Transfero asks for nothing beyond the download.

Transfero ships an update every 2 weeks, SpendNivo every 5 days. The most recent releases landed on November 3, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | Transfero | SpendNivo |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.3 (3 ratings)](https://appshunter.io/ios/app/transfero/id1660074684/reviews)** | — |
| Number of ratings | **3** | — |
| Positive reviews | 64.7% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Every 5 days** |
| Monetization | Free | — |
| Size | 55 MB | 109 MB |
| Requires iOS | 15.5 | **13.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 17+ | 4+ |
| Developer | [TRANSFERO GESTAO DE ATIVOS DIGITAIS EIRELI](https://appshunter.io/developer/1618443575) | [Invention Hill](https://appshunter.io/developer/1650585923) |

## What reviewers say

### Transfero

[App page](https://appshunter.io/ios/app/transfero/id1660074684)

Manage your banking and crypto assets in one place. Send and receive crypto via Pix, and use multiple blockchains for optimal transaction rates. Spend your crypto anywhere with an international Mastercard.

**Highlights:** All-in-one banking and crypto management, Pix and crypto payments integration, Multiple blockchain support, International crypto Mastercard, Referral program for Bitcoin rewards

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

**In-app purchases:** none


### SpendNivo

[App page](https://appshunter.io/ios/app/spendnivo-ai-expense-tracker/id6780809692)

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

**In-app purchases (6)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Basic Monthly (SpendNivo) | $2.99 | per month |
| Pro Monthly (SpendNivo) | $4.99 | per month |
| Basic Quarterly (SpendNivo) | $7.99 | per 3 months |
| Pro Quarterly (SpendNivo) | $12.99 | per 3 months |
| Basic Yearly (SpendNivo) | $29.99 | per year |
| Pro Yearly (SpendNivo) | $49.99 | per year |


## Frequently asked questions

### Is Transfero free?

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

### Is SpendNivo free?

SpendNivo is free to download, with in-app purchases available.

### Do Transfero or SpendNivo have ads?

Neither Transfero nor SpendNivo shows ads.

### Which is updated more often, Transfero or SpendNivo?

Transfero ships an update every 2 weeks, and SpendNivo every 5 days. Most recently, Transfero was updated on November 3, 2026 and SpendNivo on October 28, 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.*