# n1co vs Xpencil

The clearest difference is ads: n1co at none against Xpencil's shown. Xpencil's advantage is update cadence (daily vs weekly) and iOS requirement (13.4 vs 15.5). On price, 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.

n1co ships an update weekly, Xpencil daily. The most recent releases landed on November 7, 2026 and November 8, 2026 respectively.

## The numbers

| Metric | n1co | Xpencil |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.7 (39 ratings)](https://appshunter.io/ios/app/n1co/id1662164199/reviews)** | — |
| Number of ratings | **39** | — |
| Positive reviews | 7.7% of reviews | — |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Weekly | **Daily** |
| Monetization | Free | — |
| Size | 218 MB | 20 MB |
| Requires iOS | 15.5 | **13.4** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 17+ |
| Developer | [N1co Tech](https://appshunter.io/developer/1662164201) | [Ezequiel Perez](https://appshunter.io/developer/1756972930) |

## What reviewers say

### n1co

[App page](https://appshunter.io/ios/app/n1co/id1662164199)

Manage your finances entirely digitally with this banking platform. Enjoy a simplified bank account and a digital VISA debit card for online purchases, with the option to request a physical card. Control expenses, transfers, payments, and collections from your mobile device.

**Highlights:** Digital bank account, Digital VISA debit card, Physical VISA debit card, Expense control, Transfers and payments, Customer service

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

**In-app purchases:** none


### Xpencil

[App page](https://appshunter.io/ios/app/xpencil/id6535696391)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is n1co free?

n1co is free to download, with no in-app purchases.

### Is Xpencil free?

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

### Do n1co or Xpencil have ads?

Xpencil shows ads; n1co does not.

### Which is updated more often, n1co or Xpencil?

n1co ships an update weekly, and Xpencil daily. Most recently, n1co was updated on November 7, 2026 and Xpencil on November 8, 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.*